I understand that the shade is being cast by the seller.These are the thoughts and questions that my mind raises: Every time a weed gets watered, it grows stronger allowing it to choke the flowers around it.Are you rewarding and enabling his behavior by going through with the deal? 

Buy term and investe the rest, well if I did that I better be absolutley sure I'm going to die before 30 years or my 80th birthday or that whole line of thinking is a failure.