What would you do?

[nats]

we would have said thank you and accepted her offer not to pay. we have money phobias and our view is biased, but that's what we would have done. we also would have skipped the wine and m&ms b/c we're paranoid of not having enough for emergencies, but again, we're definitely not within the average on this topic. we stopped t years ago b/c despite getting a discount we still couldn't justify the money to ourselves given we didn't seem to be making much progress.

not suggesting anyone copy our approach, just saying we would accept an offer from T not to pay - tho not necessarily other things as you then might be expected to pay in even more unpleasant ways..