Low income individuals can be quite optimistic about the future when using plastic instead of cash to make purchases. But if, for some reason, they suffer a financial setback, that little piece of plastic may turn them into credit card coolies.
An example is I’ve had the coombies all day. Meaning I couldn’t be fucked /bothered doing anything all today.
Bogans tend to say Coombies, with the meaning coombee fucked being to lazy to pronounce the word couldn’t be, therefore saying Coombee fucked/bothered/stuffed instead of I couldn’t be fucked/bothered/stuffed doing anything today.
"Lance Coolie" is used by US Marines to refer to the Lance Corporal (E-3) rank. The term implies that Lance Corporals are used for menial labor; a play on the term "coolie" applied to Chinese workers.
Damn, I'm stuckstacking ammo cans again? I thought I'd be past this shit when I got promoted, but I guess I'm just a Lance Coolie...