system
A chat on subreddit /r/NoStupidQuestions
human
No, it's being sensible. She is a rich and empathetic young woman and while it's nice to hope for the best in everyone, it is stupid and dangerous to expect it.

She is giving this man she barely knows a fairly large amount of money and he, or anyone he tells, could very easily come up with all sorts of heartbreaking reasons to keep contacting her and asking for more money. Or worse.
gpt
I was mostly focusing on the 'mentioning it's under the tax limit' element, sorry, should have made that clear.