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First of all, you don't have to explain anything to anyone. If you feel you're obligated (because of the business, or their investments) for fear backlash or superquirky behavior as a result of not explaining, then keep it simple and vague. (For example: I spent your big check on this ridiculous item because it will multiply the profit margin by 10 within 5 years.) If they're involved, they either trust you or they shouldn't have.
Yes, some people I'm very close to are like this. Sigh.
For everyday communication, think of them as children. Say what you want to say, but word things carefully so it doesn't sound as though you're blaming them. It might make it harder to take personally.
You probably know this best -- sometimes it doesn't matter what you say or how well you say it. Good luck!
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