Must be personal variance, as I'm not any more likely to spend with a card. I would guess it's the other way around for me -- cash is "spend money" to be used m

Must be personal variance, as I'm not any more likely to spend with a card. I would guess it's the other way around for me -- cash is "spend money" to be used more freely, while using the card draws from the savings so the transaction carries some hesitation.