Fundamentally, I always wondered if the movement away from physical currency-- whether it's in-pp payments, general ecommerce or just the growth of credit/debit

Fundamentally, I always wondered if the movement away from physical currency-- whether it's in-pp payments, general ecommerce or just the growth of credit/debit-- has a psychological impact on how we spend. If you have to hand over some number of physical tokens, and actively see your stash of them diminish, it's going to hit differently than letting someone handle your card, and then a number that you have to log into the bank to even see goes down. I see ads for programs where you give your kids their allowance on a prepaid debit card, so it could get to the point where you could reach maturity without ever touching a dime. Will those kids be as frugal as the ones who got notes?