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Most people (even many programmers) have no idea how much software costs. This minor feature you want? It'll take a couple of hours to design, a few more hours to implement, you need to test it, write docs for it, and all of a sudden the better part of a week is gone.

Even at a very cheap rate that quickly adds up to way more than most people are willing to give...

Depending on their attitude, I don't think you should necessarily treat a lowball offer as an insult. The problem isn't that the user is offering (say) $10 for the work, but that not enough users offer $10 for the work.

What if I offered you $5,000 to fix it?

I'll escrow that for a mere 10%.