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A fancy way to say 'You messed this up, I didn’t. You’re the problem, you dumbass.' It's like when you're so mad you can’t even say it straight, so you make it sound fancy to hide your rage.
'I think that's a you problem.', said after you spilled coffee on your shirt and it was your own stupid fault.
'I think that's a you problem.', said while looking at the broken chair you were supposed to take care of.
'I think that's a you problem.', said right before you threw a paper airplane at your boss.