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Treating your bank account like it owes you an apology.

means Spending money freely and indulgently on things you want but rarely need.

from American 1820s coinage, likely echoing the wet splash of a sudden, showy displaymoney making a splash, basically.

Sound originBorn as imitative slang for ostentatious noise.
Original meaningFirst meant showing off, not just spending.
Retail psychologyStores design dopamine spikes to trigger it.
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