It was reference to luxury shops stocking items without a price: “if you have to ask, then you can’t afford it.”
Most likely what they meant is that this is a development that only has “daily life” implications for those who work in theoretical physics as their day job.
Hence: if you have to ask, then this has no “daily life” implication for you.
Based on https://www.usingenglish.com/forum/threads/if-you-have-to-as... maybe you meant "you'll never know / I'm not going to tell you" (doesn't sound very nice) or "you've answered it" (umm, how?)