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by gjm11 271 days ago
(tl;dr on reflection I mostly agree with you)

Interesting. I would sometimes say "the mortgage", "the bank", "the car", etc., but I don't think "my" is wrong for any of those except in so far as the thing in question isn't just mine (e.g., it's my wife's -- excuse me, the wife's -- car as well as mine).

Thinking about this some more, I think the pattern is as follows. I would say "my" to refer to something that (1) is specifically mine rather than anyone else's and (2) might be thought to be someone else's, or otherwise be ambiguous, if I didn't say "my". For something that's in some sense mine but for which #1 and #2 don't both hold, I would more often say "the".

So, e.g., "the mortgage" or "my mortgage"? If I'm living on my own, "the" because there's no one else. If I'm living with a partner, "the" because it's joint with them, or because we both know that they don't have one. If I'm living with a minor child, "the" because they can't have one. But if I'm talking to another adult, typically "my" or "our" for disambiguation.

"The office" or "my office"? "The" if it's the office I go to with all my colleagues. "The" if it's a room in my house and it's the only such room. "My" if two of us living in the same house have rooms they use in the same way.

(In my actual house there's a room that we originally called "the study" which we envisaged being used by whoever needed it, but in practice it's basically always me. My wife calls it "your study". I feel kinda bad about having usurped it -- there's another room my wife uses for similar purposes but it's substantially smaller and I've clearly got the better end of this deal -- and I often call it "the study" but when I do I know I'm being a bit dishonest.)

If you're a child then probably there are lots of things that are specifically yours. You might refer to "the teddy bear" because there's no one else it's likely to belong to, but your parents won't because it's not (in the relevant sense) theirs so "the" isn't appropriate for them. And if you're a child and you regard something as yours, you're probably painfully aware that (1) any siblings might try to lay claim to it and (2) in some sense your parents could lay claim to it, so you're going to use "my" whenever you can.

So I think I agree that "my" is proportionally used more by children than by adults. I don't think I personally find that that makes it feel infantilizing in the way it sounds like you do. But I do find the Windows "My X" stuff patronizing and maybe unconsciously I'm associating it with childishness.