Withdrawal can become a habit. Once you develop the habit of withdrawing either fiat or converting your crypto holding to local currency for use, It almost becomes so difficult to break.
Needs and wants/problems to solve with money never stop arising, how do you handle your withdrawal? Be sincere, considering that local currency is becoming less of value as the cost of things are constantly rising now, so much that the cost price today is not the cost price tomorrow. Is a budget still effective in your opinion?
I feel like this is totally related to how you spend your money and for what you are spending it, because if you are using credit card you will find it way easier to pay for things and not worry about expenses or how many times you used it for, but if you are using hard cash or even using crypto i feel like you are actually more aware for what are you paying, i personally feel like withdrawing is a big thing so i try not to do it more often, so from my point of view you can say that making a budget is more effective.