it all depends on ourselves and of course only we ourselves understand how we manage money, I think the presence or absence of a card is the same because all of us manage it ourselves but there are limits that some people cannot control so often unpredictable loss of control.
for me personally who can't control money well, I don't like using cards because I've tried to do it and it's very detrimental for me.
controlling finances, not everyone can do it right, that's why it's important to keep or limit yourself so that things don't happen out of control.
That's right, we all are different and this is our advantage. Luckily we have different forms of money which can be useful for different people and everyone can make own choice. Main thing is to know your strengths and weaknesses and to behave so to strengthen your strengths and try to escape situations when your weaknesses can bring any damage. If you can control your budget with cash it is great and a wonderful solution. I'd say that it is not a problem like others have who can't stay in budget anyhow and who need some help from outside.