She calls it "Oh Shit I Have to Pay?” because that's the step that most people completely tune out. They'll put their items down, wait for the cashier to scan them, get everything bagged and then when the cashier says "that'll be XXX" people just snap out of it like they're dreaming and then fumble around to find their card. Like the step was completely unexpected. "Oh shit, I have to pay for all this?!"