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The term "My Bag" was originally slang for taking [responsibility] for one's own actions. Somewhere in the early 90s people started saying "My bad" either because they wanted to change the verbage of the original, or because they just plain didn't [understand] the original meaning. "My Bag" is slang for "Baggage",ie: You take your own problems, put them in a bag and carry it on your own back. "[It's on me], my fault, my problem. "My Bag" excepts and takes the burden, "My Bad" just dismisses it.
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