I've only one vehicle I won't sell-OT-but Dad bought it new-but if the kids were hungry and I needed to make the mortgage...it'd be gone, okay...lol...but back to your situation, the old standby "you can't afford it" works pretty well...hey, I've heard of uys taking taxi rides home after that
But, I don't think I'd look at it as disrespect...but more as an admiration of your car.