A random memory.
I used to work and sometimes party with with a guy called Wugga. Wugga wasn't his real name and I don't know why he was called Wugga and neither did he but that's what he was called.
Sometimes Wugga, in situations that called for an answer of, "No," would instead say, "Nay Fleabag."
Like maybe I would say, "Hey Wugga, has Purolator been in yet?" and he would say, "Nay, Fleabag."
Or else maybe someone would say, "Did you watch the game last night?"
"Nay, Fleabag."
It was just part of being the character that he was. He was from down east. I feel that should at least partially explain it.
I adopted it to a small extent and would say, "Nay Fleabag," in appropriate circumstances.
"Hey Mudcat, are you watching Dancing With The Stars?"
"Nay Fleabag."
Even though I have not seen Wugga for 25+ years, I might still say to a poker player asking me if I am going to fold, "Nay, Fleabag!"
I don't believe I have ever said it to a female though. I don't see myself branching out in that direction.