I remember a young friend of mine who was doing an amazing job saving...and then blew literally the entire savings because they decided they wanted an Xbox (which of course also needed to have games).
And then was stressing because they had mentally locked themselves out of that account and now that they "knew" it was accessible (they had always known it was accessible obviously, it was just the usual mental tricks with the added steps/"blocks") they knew they were likely to just dip into it again the next time they just wanted something nice to have because it was right there.
Creating barriers to spending can be very useful in changing spending behavior, like for instance, using cash
I only see this as a barrier for online shopping for obvious reasons. Otherwise I actually prefer using cash because it's much easier for me to track.
Does spending feel good? Is this why people like shopping so much?
YOLO why bother about a future that you might never even see when you can do/have what you want right this very second and live your best life to the very fullest amirite.
Completely unrelated is that a nipple mouse? XD