"My first obligation is to protect my family, and I have to consider your financial track record". If she asks what is that supposed to mean, I would give her a long look and then say something like,"I am trying to work with you on this, but frankly, you have given me reason not to feel very safe".
I would leave that line out.......and take off the quotation marks.
It is not about what you feel should work in your M. It is about doing the work that gets the right results. Do what works!
