Definition: The imaginary debt accrued when a “nice guy” performs basic human decency, believing it entitles him to romantic or sexual returns. Common deposits include not assaulting drunk friends, buying unsolicited coffee, or tolerating a woman’s existence without overt harassment.
This toxic ledger fuels the delusion that kindness is transactional. When the expected payout—a date, nudes, or groveling gratitude—is declined, the creditor rage-cashes his chips via tantrums, slut-shaming, or dick pics.
The bankruptcy reveal? Human decency isn’t a fucking loan shark. Realizing you’re just an ATM for his ego? Priceless.
Example:
After buying her coffee unasked, Mark expected a date; his anger when she declined proved it was transactional kindness, not generosity.
He loudly complained she owed him nudes for “being a gentleman” all night, revealing his imaginary debt when she walked away.