I really feel guilty for him.you are So rude, not polite and i guess you are resist people. You could answer him politely that help him to understand. Being a human you need to understand other feeling. You can understand why was he worried about losing money because he can not understand English. He might not have job because of his english, he might not know about the theory rules and regulation. If you can not help with anything, do not make other people fun in here where everyone can see. If you work as a adviser you should be shamed.