If you have been having a spirited drive and you pull into your drive and turn the engine off, the turbo will still be spinning quite fast (upto 250,000rpm in some cases I believe?) and basically you will have just cut off the oil supply to the bearings.
Keep this up and the bearings will eventually pick up on the shaft, if shell type, or premature wear on the internals of a ball bearing type turbo.
No ammount of coolant being pumped through will help this as oil pressure is fed from the engine.
Also turbos get very hot and can even glow red and look translucent this also helps to make the bearings nice and toasty with a nice fast spinning shaft and no oil.
Its fairly easy to drive slow for the last mile or just wait a minute while you get your bag out take sunglasses off whatever!