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.
I agree with this statement. Holding cash helps me to consider that how much I have spent and also how much the balance. It prevents me from overspending