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.
If someone is making withdrawals too often, it means they are miscalculating in the first place about their average expenditure.
Needs and wants/problems to solve with money never stop arising, how do you handle your withdrawal?
Emergencies can appear at any point of time. That goes beyond the average expenses and that is allowed to be exempted.
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?
Budgeting is always a good thing. Cutting down costs that you dont need saves your expenses giving you more money at hand to put back in savings or keep for the upcoming month. Inflation is inevitable but you may not have cryptp<>fiat conversion available in every country. So budgeting is a good option, provided you can actually cut down your costs. Most people cannot do so without spending too much.