Well, I got up on a cloud and thought about it...eventually the answer smacked me in the face. You see, another definition of "fine" is those little slips of toilet paper police and other buzzkill officials like to give out for minor infractions like broken taillights and public sex (I don't really think that should be a crime...ain't really my thing but for those that choose to do it, I think it's perfectly fine as long as you conceal yourself decently...think of it as a game of "Hide and Go Freak"...) and is a declaration of their intent to make you pay. This "fine" is no different. When your girl says "fine", she's not saying "everything's cool, we're good"...she's saying "you fucked up a little and it's probably going to cost you."
The parallells continue...like a real-life fine, you can fight it. It's within your rights to dispute any fine you are given in the appropriate forum. Only difference is, instead of going to traffic court, you get to argue your case at home. Both, however, are monumental wastes of time and maybe money. (In one case it's a day away from your job and in the other,girls can hold grudges for over a week, and that includes Sundays. I can't afford to have a girl be mad at me all week, she might do something rash and stupid like turning the game off while I'm watching it and then I'll have to put her in a trashbag and pay an actual fine for putting my garbage out before Tuesday. Stupid city ordinances).