On the other side, it reduces cognitive overhead. For this, see unlimited plans (e.g. all you can eat, all inclusive holidays, unlimited streaming like netflix,

On the other side, it reduces cognitive overhead. For this, see unlimited plans (e.g. all you can eat, all inclusive holidays, unlimited streaming like netflix, etc) which may or may not be more expensive than paying as you go. Even bags of veg costing more than individual items in the UK is common. It reduces the effort of making the decision, and so makes it the easiest path. All you can eat restaurants are probably the simplest counterexample for your list. It can remove the decision between places from "Well X is a bit less than Y but then the service is better, what's 20% of that vs 15% of ... added..." to just "It costs $X".