Pretend your brother-in-law keeps hitting your spouse up for money, and s/he keep giving it to him because he’s family. He’s not a bad guy, is just always asking for hand-outs. You’ve been understanding, and for decades you’ve supported him. He’s living a pretty good life on your hand-outs, maybe not perfect, but decent. But a few years ago it got to the point where you’re giving him more than you take in. You have had to max out your credit cards, and take out a 2nd mortgage to support him because he just refuses to stop asking for more. You’ve tried to negotiate with him: A few times you’ve tried to scale back how much is given but every year you give in and give him just a little bit more. Even this year (although maybe not as much as he was asking for). You’ve suffered set-backs at work, there’s not as much income and your mortgage rate has increased. You’re barely making payments, paying all your debts and having enough left over to live on. Much longer and you’re going to start defaulting and getting calls from creditors. But your brother-in-law just keeps asking for more, more, more. Finally, you’ve had enough and start really screaming and yelling that it’s time to cut him off. You are the tea party.