Reading all of this brought up a few points that I wanted to mention:
1. The cost of a bare print is not limited to paper and ink. What about the amortization of equipment cost used to capture and print the image? What about the cost of travel to and from wherever the image was captured? What about all the costs involved in trying to get other images that didn't work out? What about proofs and prints you tore up because you didn't like the way they look? All of that and much more are very real costs and need to be taken into account on the balance sheet.
2. Charging only for framing materials and not for the skilled labor involved in a framing job is very charitable but it doesn't make sense from a business perspective. I wish my mechanic would only charge for the parts used in repairing my car, but he's not that charitable either.
3. As far as the direct cost of materials goes, framing materials are certainly more expensive than anything else. Mat cutting, mounting, and framing also takes a lot of time and skilled labor that needs to be compensated. This all means that framed prints have a lower profit margin than matted prints, and matted prints have a lower profit margin than bare prints. Why would anyone be disturbed if a client doesn't want your frame when there's a bigger margin on a bare or matted print?
4. If you sell framed prints through galleries you need to make sure to account for the commission in the incremental costs of matting and framing. If you don't you can end up making less on a framed piece than on an unframed piece even though the framed piece sells at a higher price! Also worth mentioning is that it's unethical and self-destructive to undercut gallery pricing when selling at other venues like art festivals. Galleries have big costs in a building, lighting, heating, air conditioning, and employees. Carrying and promoting your work costs them money. They are due a fair profit in return, just like you are.
5. Yes, most buyers are more concerned about whether a print matches the color of their couch or drapes than they are about all of the "blood, sweat and tears, talent, vision, ability to inspire, move, touch, etc.", but I'm not going to send them packing because of it. You have to realize that most people will not be as serious about what you do as you are. That's the way of life, and art.