No one owes you their time and money. And you don’t owe anyone either.

It’s the mark of a cool human to understand people’s respect for their time and money.
It’s the mark of a wise human to respect their own.

This makes us not feel guilty for saying no.
This also makes us understand when someone says no to us.

It’s the mark of a wisely easy human to know that it’s okay to not owe your time and money to anyone and be absolutely (untouched) okay with it.