An accountant goes to a tea shop and says, “I am an unemployed accountant, will you let me run a tab here?” The shopkeeper declines, so the accountant goes on to the next.
The next shopkeeper declines the same request, and then the next, and the next. Word gets out that this unemployed accountant has been asking almost every tea shop in town to start a tab. When the accountant asks the final shop owner, the owner asks why the accountant wants to run a tab.
“Because I was laid off last month and haven’t been able to use a T Account since.”