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This is a horrible explanation, tbh. Or rather - it's good up to the second to last paragraph when the whole thing just derails into off-topic.
Also: the $600 a month comes from both parents.
Also-also: it happened in October, not in January.
So, the fixed paragraph would be something like:
I'd put it like this:
Your mom and dad give you a credit card plus $600 in allowance each month and expect you to cover all expenses, including groceries, maintenance, plus the cost of hiring a cleaning service using those, which totals $800 per month. Oh, also a bunch of guns, so it's more like $1100 per month.
Anyways, every now and then, your credit card hits its limit and mom and dad need to agree to raise the credit limit. And if they don't, then you refuse to pay for anything. Except the guns, but they are only like $300, so the $600 a month will cover them easily.
Oh but the cleaning staff should still come, they just won't get paid until the credit limit is raised.
I get the joke and it is funny, but since we're explaining stuff to someone who has no clue:
In my example, the indefinite "you" is an orange doofus who arrived in January.
I was a little inconsistent on who wanted to bury him and who was stopping him from being buried. Suffice it to say that everyone involved is terrible, and the best we can hope for is a giant meteor.
Basically, I explained both "What" and "Why".
That's my point - you veered off into an off-topic tangent when the guy asked about the mechanics of a government shutdown.
Couldn't agree more!