I see no way that this is different than using your cc. You can delegate spending privs as you like. Just to yourself, just to adults, etc, and there's a PIN at

I see no way that this is different than using your cc. You can delegate spending privs as you like. Just to yourself, just to adults, etc, and there's a PIN attached. If you can't budget correctly, that's not the problem of mobile payment systems. Personally I can't see the difference between this and credit cards. If anything, mobile payment systems tend to be more accounting friendly. I can pop open my last google wallet purchases trivially. My credit card requires logging into a website or using a fairly crappy mobile app that's often not updated quickly with my most recent purchases.