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廃課金 haikakin
Whale-level spending.
What does haikakin mean?
廃 comes from 廃人, someone "ruined" by a game. A 廃課金 player drops serious money without blinking. About yourself it's a joke; about others it's half awe, half worry.
Example
あの人は廃課金だから、限定キャラは全部持ってる。
He spends like a whale, so he has every limited character.
Vibe
Who you can say this to, and how it lands.
Friends only Casual. Natural with friends, out of place at work or with strangers.
The story behind haikakin
The 廃 in 廃課金 comes from 廃人, literally a ruined person, which online gaming borrowed in the era of long-running massively multiplayer worlds to describe someone whose life had been quietly reorganised around a game. Attach it to 課金 and you get spending on that same heroic and slightly alarming scale.
The tone depends entirely on who is speaking. About yourself it is a boast wearing an apology, posted next to a receipt. About someone else it is admiration mixed with genuine concern, since a small number of players fund most of these games and everyone in the community knows it. The gentler neighbours in the family are 微課金 and 重課金.