"So, you want me to start work early so you can pay me for a day less?"
"So, you want me to train you up for free so you can set up a competing business less than ten miles away?"
"So, you are saying the roads are too bad for you to drive from your house to here, but they are not too bad for me to drive from here to your house?"If their answer is "I didn't mean it like that", ask them how they meant it. I've yet to meet one of them who could come up with an alternative explanation.
People who choose to believe in 'facts' that are obviously incorrect will not thank you for pointing out the truth. Their egos and/or their belief system are wrapped up in whatever claptrap they choose to believe. All you can do is work around the nonsense. (Last month's winners were, in a strange parallel, 'children only lie if they feel threatened' and 'dogs only bite if they feel threatened'.)
The 'I can't afford that' people want you to provide goods or services for nothing, because they need or want them but can't afford them. They are incapable of gratitude, because, for ineffable reasons, they believe that their poverty makes the world at large responsible for their needs, even when those needs are self-generated.
The 'but I could do that myself for free' people believe that their amateur status entitles them to pay professionals a lower fee, or nothing. Note: they do not respond well to "well, there you go, then" as an answer.