Spare change has become a handy shorthand online for being broke, because the phrase is short, universally understood, and easy to drop into almost any scene. Creators use it on short-form video and in meme edits to signal that a character, player, or friend has run out of money, often pairing it with empty pockets, declined cards, or a sudden expensive surprise. Its staying power comes from that simplicity: the joke needs no explanation, works in many different scenes and formats, and still lands when a viewer is only half paying attention.