I've never fleeced anyone in my life and am not about to start now, in fact the opposite could be said as I think I am doing things too cheap, if I can sort something out for someone without replacing it I will, more people are coming to me now form word of mouth as I do not fleece them by bullshitting them into replacing parts they do not need as some of the LBS have been doing, and by the way the state of my wallet is healthy.. without having fleeced anyone.
Also as you said yourself above It is impossible to say from a photo whether your chain is worn or not, if I had the bike here I would sort it out as cheaply as possible and explain the problems to the owner.