[WendyTheWillow]

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.

[lazide]

Or it’s a grey area. And at least some direct interaction on relatively short timescales (the same week) without it being easy to ignore (like a repetitive individual alert) is better than none?