Simply tell her that if everyone needed a fancy machine to quilt the world would be a very cold place because there would be a lot less quilts. Fancy machines while nice are not necessary. Tell her you'll never be able to drive a car unless you have a ferarri and she will see how silly it sounds. Also tell her there are nice machines that don't cost thousands of dollars. Also most people start out with the low end machines. I did for 10 years before i got my nice machine.