Oh gosh…I used to say that in frustration to my son. Until it was pointed out to me that he heard it “for real”, like you. So I stopped pushing that button. It is possible they aren’t serious either.
Talk to mom and dad and make a deal. Show them where you can go with your $ alone. Show them how little you can borrow. And then just be nice. Honestly, that’s all I want from my son. Just be nice and do your chores!!! You’d be amazed how a little will get you a long way!