The line comes from The Big Short, the 2015 film about the financial crisis, and this louder edit circulates separately from the original scene because of its reaction value. Clips of single blunt lines from films often spread on soundboards and in edited videos, where they can be replayed out of context. This one stayed in use because the wording is instantly understood without setup, so creators reuse it whenever a character, streamer or friend says something that crosses a line in a joke.