Learn the tone, meaning, and better English alternatives around "if you had" with real scene examples.

It means the speaker is insulting the other person and saying they should have acted more wisely.
From The Dumb Billionaire Heiress In Love Part Ii, Episode 50
Someone is insulting another person's intelligence while criticizing their decision.
Use this only to recognize very rude insult language. It is hostile and not appropriate for polite speech.
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