Question 1 : If Bitcoin or Crypto currencies replace fiat, would you spend more or less?
Question 2 : Do you think physical contact with your money, makes you spend less?
Question 3 : Would we have less debt, if we paid for everything in fiat?
1) Depends what the climate and value of bitcoin is. If the price is high then I'd spend, but if it keeps rising I'd probably save.
2) No, but I can see how people would get carried away with credit cards and spend money they don't have. Money in your pocket in a wad of notes always seems like more than just numbers on a screen.
3) Not really, unless you mean people don't pay on credit cards. People could still take out loans though.