Comment by BLKNSLVR

I take your point, but I'll also make the point that I'm organised and relatively self disciplined when it comes to spending. If I have to check my back account before any big expenditures, whilst on the go and requiring a smart phone, then that represents some kind of failure of self discipline (outside of emergency health situations).

Having said that, I do have an app that tells me how much is left on my debit card, but I only recharge it from laptop / desktop at home - I tend to not let it get low enough that I can't get through a day.

Can't deny a certain level of privilege, but will say it's been earned through self discipline. Everyone's situations are different, however.