That's a very good point.
It's also why I raised the issue of where your "server boundary" is. I dunno how else to phrase it, but what I mean is the separation of domain logic and technical logic.
In my understanding, 400 denotes an HTTP request that doesn't comply with the RFC (missing headers, bad format etc) but I also don't disagree with what you're saying, because the user did send a bad request.
Of course, you could always do both :) Send the opinionated payload with a 400 error.
As long as your consumer can reason about what went wrong, then I guess that's in line with the objective I was trying to get across.