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.

I don’t think either of these are really thought terminating cliches inherently. The phrase is more for their usage as a rhetorical device to end arguments. They become them when they are “used to intentionally dismiss dissent or justify fallacious logic” (en.wikipedia.org/wiki/Thought-terminating_cliché)

Ending an argument often involves dismissing dissent. The end of an argument is also the end of thought on that argument. You’re just rewording the original term, that you’re arguing against.

It’s not productive to argue endlessly.

I disagree.

Source?