Just tell him the truth - you don’t think you’d would work together well - then wish him good luck. If he responds, why? Tell him exactly what you posted here and that in your experience, people who try to get too nickel and dimey arent worth the time.
You have every right to choose who you work with and it’s a waste of time to work for people who are like this.
Prepare a strong rebuttal and be ready to use it.
This should include the fact that failure is part of the entrepreneurial process. Give examples of others that have succeeded post failure. And it may even include comments about how ‘working for the man’ makes you a cog in the machine succeptable to the whims of faceless corporate layoffs, etc. and how taking a ‘job’ and never taking the chance to succeed is the cowards path- Depending on how aggressive you want to be.
Then don’t quit. Work until you succeed. Do whatever it takes to keep food on the table while building your business.
Good luck and keep going.
Unless you are trying to build a powerful world altering technology for the good of humanity with a non profit, I don’t think there is much for the average startup founder to learn here. This is WAY outside the norm.