This term seems like just an insult wearing academic robes. And a tautology. All cliches over simplify the world, side-stepping complex analysis.

There's nothing "thought terminating" about acknowledging that a problem is beyond your scope - which is what the first two mean. I've only heard YOLO used to encourage risk-taking, which is completely different.

Realistically, these are often just social cues that you're bored with the conversation.

Obviously whether you use a cliche to avoid thinking deeper or not depends on context and individual. It's not inherent to the phrase.

If you didn’t like it then leave.

Just walking away from someone who you’re talking to is generally seen as very rude, hence us developing social cues to demonstrate that you’re done with the topic/conversation.

I guess you didn’t get the joke.