I remember when I was trying to solicit quotes for having vinyl siding installed on my garage. One of the people I spoke to was a Sears representative. His quote was outrageously expensive, so I told him that I couldn't afford his prices.
His reply? "Sure you can. You can take out a zero interest credit card if you need to."
Now that was a scummy thing to say. You don't advise customers to go into debt unnecessarily, and you certainly don't assume that they can afford something. Frankly, that's none of your business, bozo.