The idea is that all of that unnecessary complexity helps make the expenses more tangible. So you're paying with 20s instead of a swipe. This isn't as much of

The idea is that all of that unnecessary complexity helps make the expenses more tangible. So you're paying with 20s instead of a swipe. This isn't as much of a problem for the thrifty whom feel similar anxiety in using a card. Most likely people who are actively keeping a mental track of where their balance is after every purchase - or using a ledger.