I think she is refering to the like of that Galka Local Leve NPC in Ul'dah offering to "re-educate you on the finer point of crafting" should you fail his leve. Or the Quest NPC in Limsa talking about how you don't have any loyalty to the city state if you turn down his request for help. Or that cutscene NPC for Pugilist quest that throw all his gambling debt money on the floor telling you to pick up the money he drop. Very rude, very condescending.

Make me want to punch the NPC in the face, rather than help them. Especially with the leve npc, whom I will have to unpleasantly deal with every 1-2 days. His dialogue make it clear to me that unlike in FFXI where when I do quest, I'm doing the NPC a favor and in the end the grateful NPC decides they should reward me with something, in FFXIV, the NPC basically is employing me, acting as the ever bad boss, the leve reward is the remuneration, paid out of neccessity rather than any gratitute. Doesn't make Eorzea a world I want to live in.