1. I wouldn't offer a salary to someone who I felt wasn't good enough for a job. If the job needs people skills, then he'd only get an offer from me if I thought he already had them / could gain them.

2. Pointing out to someone that they are very successful and can afford you isn't insulting. Pointing out to someone that they'd be on food stamps if you don't throw them a bone is, because it belittles them.

3. Dick move all around.

Don't forget that salary negotiation is supposed to be just that - a negotiation. You arrive to it when most other terms of employment seem acceptable.