The issue I take with that is that it's another layer of abstraction that can be warped /inflated/etc. Similarly, mobile games often have a "game currency" that

The issue I take with that is that it's another layer of abstraction that can be warped /inflated/etc. Similarly, mobile games often have a "game currency" that you purchase to obfuscate the true cost of a purchase. It's easier to splurge with a card than it is with cash because it feels more abstract, particularly if it's credit.