According to the National Retail Federation (motto: “Proudly middlemansplaining since 1911”), Americans set a Halloween spending record of $12.2 billion in 2023. (And that didn’t even include earplugs for muffling the seasonal onslaught of “spooktacular,” “boo-tiful,” “to die for” and other undead “dad jokes” shambling in from Father’s Day.) But, citing research from Lending Tree, “Newsweek” mag…