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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: