If she were my *friend* I'd tell her that what she is doing is fraudulent, evasion of taxes, lying, and whatever other descriptive words I'd attach to the personal tactics of getting things for free like the hair in the food when dining out, and then I'd tell her that I'm not going to listen to it any more. After I said my piece, I'd hang up the phone or leave if this was a face to face. I would not want this person as a friend.