Dude, if I am being honest, I'm shocked that you used a visual aid to try and explain the account system to your W. I would totally feel demeaned as well. Also, from reading your post, I still think you are judging her too much and not really getting where's she's coming from. You want this to proceed like it's a business deal and it's clearly not just math for her. She's hurt. I would've tuned you out a long time ago myself. Wow. I hope this isn't too harsh but you are just not on the right page here, IMO.