I started abandoning cash around a decade ago, and have steadily moved to mobile-only payments for the past five years (India has ubiquitous instant bank-to-ban

I started abandoning cash around a decade ago, and have steadily moved to mobile-only payments for the past five years (India has ubiquitous instant bank-to-bank transfers through mobile payment platforms). Not having to carry your wallet around and make trips to ATMs is rather convenient, but in aggregate, I'll still NOT recommend this. I realize I have ended up spending several times I would have had I stuck to cash. There seems to be a psychological aspect that makes you keep track subconsciously of how much you are spending when you have to physically draw cash. With mobile payments? It's just scan a code and forget about it. I am planning to stop by the end of this year.