Cash is physical, it's tangible, exists in your hand/wallet, occupies space, carries weight in the real world. It's experientially very different to spend, and

Cash is physical, it's tangible, exists in your hand/wallet, occupies space, carries weight in the real world. It's experientially very different to spend, and for me at least, carries substantially greater negative feedback as my wad diminishes in transactions. Then having to replenish my stash, visiting an ATM or asking for cash back, carries a distinct bite. Those things are largely absent when using cards or other electronic payments like phones. Though you can structure electronic payments such that it at least draws on a very small account requiring explicit replenishing of some inconvenience, to retain some of the bite as weekly or monthly funds become exhausted.