It is believed that cash helps people budget, as using it means you literally can count the pennies. Paying with a card or crypto currency make spending easy and convenient that sometimes one tends to overspend. Sometimes one might not even know the balance of his account but with cash you are always aware of how much you have.
From my personal experience, I can say that it happened to me many times that I spent much more when I used cards (and even Bitcoin) than when I paid in cash. Usually, before going to the store, I make a list, and calculate how much money I will need to buy it, and I take that amount with me along with some extra money, because prices are always subject to change. This helps me to focus on only those things that I want to buy, and that I cannot spend more than what I have in my wallet.
The same thing can be practiced with our mobile hot wallet if you consider paying in physical stores, while the worst option is a bank card with which you have the least control, especially if you know that you can spend more than you actually have.
However, it all boils down to how much we can control ourselves when shopping, and most people still admit that they spend more money than they planned, and that they usually buy things they don't really need.