*warning - long post ahead*
They were rather shocked by my use of the word exposure and did not seem pleased that I would use such a word when talking about the emotion of "love".
Your first red flag right here. You can never discuss emotions with anybody. This is your indicator to run away.
There was no reasoning with this person.
Do you know what year it is? There's no reasoning with anyone, especially when discussing emotions. It can't be fact checked, validated with numbers, or verified with history. It's simply one person's opinion. The correct answer for that person is, "great, I'm glad you've found happiness. my life experiences have caused me to be prepared for any possible outcomes." And then you run away.
So any thoughts or opinions?
Can the topic be reduced to concepts such as exposure?
You can't rationalize ideas with an irrational person. You're not wrong here. The best thing is to realize it as soon as possible and not invest more time than necessary. There's a scale when conducting your business. If you get a higher payout for more work with this client, then it might be worth it. If it's a social relationship, you're completely wasting your time.
I remember working with financial planning clients. I would say several things in regards to having a non-family executor of the estate. Have a will made and signed by all the kids acknowledging the division of assets. For anybody who doesn't know this, parents are fucking retarded. Their kid is always the unique snowflake that never fights, argues, commits crimes, lies, smokes, fucks, gets bad grades, does drugs, etc. Whether the parent is 16 or 116, they believe their kids are the best. And this leads to them feeling like they don't need a will or executor. They think, "oh, my kids won't fight over assets, they'll just split everything equally 5 ways." Well there's a house, property, stocks, vehicles, etc. How do you split those equally? You can't, not without liquidating. I've seen families torn apart over $10,000 in stocks. It's brutal.
The reality is, some people are terrible. IMHO, most people are terrible. But for all those wretched people in the world, there's also the people who see nothing but rainbows, butterflies, and magic unicorns that don't poo. I can understand the terrible people. I can prepare for them. I usually expect it. They're predictable. The ones I can't work with are the rainbows and butterflies people. There's no rationalizing with them. No discussion. They're closed off to all thoughts. I find that they're often the same people who go to *insert expensive private college* for a sociology/communications/women's studies degrees and then complain they can't find a $250k/year job to pay off their $500k in student loans.
I've been listening to Jordan Peterson a lot lately. He's right on some, wrong on some. But he makes great points on why the left, who are the creatives with high empathy, need the right, who are organized and strategic. And they both rely on each other. Check this video and it sort of explains why you can't rationalize with them, but you can figure out ways to work with them. This is best to be viewed as listening personality types, ignore the labels "liberals and conservatives".
Here is an analysis of how "Peterson wins an argument". I wish I had this earlier in my life and dealing with my relationships. I also wish I would have had this when I started as a financial advisor. I would have been MUCH more successful in dealing with far left type personalities.
It's also likely that you could have been dealing with a "conversational bully". Here's an interesting analysis of a conversation with a conversation bully.