Both phrases are quite presumptuous. As if I don't know what my cost of living is.
This is how much I charge. Thanks for your offer, it's way below of what I think I deserve for my services. Nah, I don't need a lecture from you on why I should find this generous. Nope, I don't care why you make me such a low offer. What does it matter if I can actually find people who pay the rates I charge?
The market will balance this out. Thanks for your time, have a nice day.
The employer can also and usually choose between different candidates and maybe there are some or many equally skilled professionals in country x offering their work for much less (because they can because of lower living costs). So, it's reasonable to ask for a lower price in such a context. It's not about disdain.
My argument is that "offer me whatever you want; I'll accept whatever I want".
I don't need a justification or a lecture on why I should consider your offer as a generous one. That's how much you can give for my services at a certain point in time. Even if I consider your offer low, I won't find it insulting. But I will find it insulting if you think that I should accept your offer because based on your opinion this is how much I should make because of where I live.
This is how much I charge. Thanks for your offer, it's way below of what I think I deserve for my services. Nah, I don't need a lecture from you on why I should find this generous. Nope, I don't care why you make me such a low offer. What does it matter if I can actually find people who pay the rates I charge?
The market will balance this out. Thanks for your time, have a nice day.