I agree that we should agree to disagree.
But first I have to say one thing: I'm with you that its the owner's fault. I think what we're not exactly seeing eye-to-eye on is when to help and when to say that its not worth the risk.
But I'll stop now. Cause it seems that neither of us is budging.

I hope you don't think I've been ridiculous or immature about this, because I've been thinking very hard about my responses. As I'm sure you have.
No hard feelings.