In a way you are right but also you are doing a mistake for not making clear to the person that making a game is difficult, takes time and money.
You need at least 1 of the two options, is better to make the other person understand that. Making games ready for the public and with the expetation of million of dollars is not easy and not cheap.
For what I do I try to listen the client and then offer a package, if the person doesn't have money I exchange money for time, the deliver will take more time than it should because now I'll have to get other commissions for the month.