If it's bitcoin or crypto, I don't spend it as much as I can. I treat those assets as my long term investments. I will just spend all of it when I retire or there is an emergency.

For digital money, if we are talking about real money stored in digital wallets then I use them often whenever it's possible on paying bills or buying groceries. I save some money that way rather than withrawing it on an atm because I only spend exactly what I need.