Comfort excuse

Largely used in romance, excuses people give rejecting someone by overcomplicating their baggage into something valid on a positive spin. This is usually overcompensating for their romantic insecurities

She gave him a comfort excuse turning him down by telling him she's older and divorced and that he's younger and has his life ahead of him because she fears that her baggage will get in the way of enjoying the romance.

Usually in this case mora than not, the person is really rejecting themselves before they get rejected in the long term