It's interesting that some people find that to be the case. Personally I download transactions from my back account at the end of each month and track what money was spent on. Cash is untraced and free to spend!
Also, after some bank greed we now have 2% surcharges at most places for tap to pay (we call it paywave), and credit card transactions in general. Knowing this goes straight to the bank, it's basically "would you like to make a donation to the bank?". No thanks, I'll insert my card and pay that way.