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A phrase to be repeated in any situation where there is something that you know you should pay for in some way, but [you are not] totally obliged too at that point in time, so instead you use the object/service for free. Reasons for this should be down to the fact that you can't afford the object/service in question, thus making this phrase popular among students. The phrase is coined from an observation of the Munich [public transport] system. The whole system relies on the system of trust, as [conductors] are few and far between. You should pay for a ticket, but it is easy too spend a week there, use the trams daily and not pay for one single ticket.
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