Even though I know many guys like to refer to the woman in their life as SWMBO in a joking way, I believe it is demeaning and does more harm than the laughs it may create. I love my wife and would never call her SWMBO, as though she is some sort of ogre. That is why I refer to her as MBW which means "my beloved wife".
For all of the guys who are married and are spending money on toys like a bunch of drunken monkeys, you are showing your guilt for being careless and reckless and deserve to be held to account for your irresponsible actions. Don't try to put the blame on someone called SWMBO.
For all the guys who are not married, what difference does it make. You have nothing to answer for unless you have skipped the marriage process and are trying to steel the privileges that go with marriage but dodge the responsibility by shacking up. All I can say is you deserve what you get if you are submitting yourself to the authority of someone called SWMBO.
Let's "man up" guys and give our ladies the respect they deserve. Can the SWMBO crap and take responsibility for our actions.