I disagree. Because you're not spending literal cash (it's already disconnecting the spending from the withdrawal of funds), a credit card sits somewhere along

I disagree. Because you're not spending literal cash (it's already disconnecting the spending from the withdrawal of funds), a credit card sits somewhere along that spectrum. Once it's digital bits, the dissociative effect has occurred, credit or debt. The only "pure" argument here would be to pay with cash, but the logistical cost heavily outweighs the psychological value if you go down that path, in my opinion.