"I ask for 95,000$ because I'll easily provide that value to your company. Pay has nothing to do with my personal finances - it's how much my work is worth. Are you looking to hire someone valuable? Because that's what I bring to the table."
I kept trying to avoid adding "If you want cheap, go hire some college interns and let me know so I can go short on your stock."
EDIT: By the way, it's pretty interesting that your comment seems to justify differential treatment if based on that particularly modern folly called "statistical correlation". Are you saying that discriminating against Arabs or women, for example, is only wrong because the stereotypes are false? For that statement is absurd. There are stereotypes because certain things are true, on average, about those groups. Averages are not individual people. Prejudice is a moral problem, not a statistical error.
Does me being a male give me enough data points to make generalizations about men? I'm married and I know quite a few women, should I offer my viewpoints on them as useful information?
Anyway, it's all probably a moot point. As I understand, the OP mentioned that the negotiators were discussing the costs of the female applicant (e.g. student loans, etc.) while I think hcho was describing the negotiator describing their own costs (e.g. I can't pay you more because my costs are too high).
This disagrees with your previous comment, where you suggested that stereotyping would be okay if there was a statistical correlation.