I think by "track" they mean "keep track of". A lot of people don't get the same connection to digits in a DB as they did to cash, plus you can't spend cash yo

I think by "track" they mean "keep track of". A lot of people don't get the same connection to digits in a DB as they did to cash, plus you can't spend cash you don't have. If you hand somebody $500, they know how much they have, and they know how much they spent even after a few transactions. If you hand somebody a debit card with a balance of $500, it's easier to lose track and keep swiping until it's in overdraft.