I think the price could be both ideas together. I cant recall if it was the podcast or the show that said that wherever someone would get magic from, the person who gave the magic would choose the price/sacrifice. Perhaps Rumple chose Cora’s price to sacrifice Regina, while Cora chose Rumples as not being able to leave. I believe they made the curse together and Cora didn’t want to sacrifice Regina, so Rumple went to Regina to inact the curse.
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Time to hide your crazy, and start acting like a lady.