Did you eat paint chips as a kid? Or did all the fried food rot your brain? Insulting people the way you do, you'd think you have some sort of physical or mental prowess to back it up. But you're built soft and type big.There is the essence of the "Customer is always right." They are asking for something, give it to them. Your ability or what seems to be an inability in this case to negotiate a fair price is a different story.
You really have no clue on how risk based pricing works do you? How long have you been doing this?
You shat on two guys in one post and aren't a professional on either subject. Amazing...