I will. It's not an IPS answer and doesn't respect the OP's request (we have a meta on that, oh joy!)... We do allow frame challenges, I still need to write a meta on what we expect of a good frame challenge (like the one they have on roleplaying)...
But I think this isn't really an answer to the question of 'how do I talk to the gift-giver', especially not after it became clear that there WERE rules on how much you should gift and they essentially broke the rules