"deciding not to give someone a gift out of absolutely nowhere" as a matter of course, as a guiding philosophical principle, is categorically putting money before friends.
I'd say I'm reading into them the regular amount. Your entire premise is that you wouldn't just hand money to a friend for no reason. I challenged this mentality and whether or not such a friendship is ideal, offering a perspective into why there are more important things in life than money.
If this isn't your intent, you should reflect on how you've presented your argument.
To be clear, I don't think either of them is putting money above friendship.
But you haven't explained why you think sometimes saying no is a problem. You said a thing about philosophical principles but I've explicitly told you that's not what I meant. So it's hard for me to make this comparison without knowing what you mean.