When one dries themselves off after a shower and finds what looks like a large bug on their body at first glance, but as one takes another glance it turns out to be a small ball of lint mixed with hair.
Refers to someone that continuously asks you for money or is always begging for your last cent. They are always after allthe money you have in your pocket...hence the lint.
:"Hey Jeff...can I have like...20 bucks?"
(sigh) "Alright Fred"