The psychology of money is crazy.
Someone can walk into a Nigerian nightclub, transfer #10 million in one night, and barely feel the weight of what they just spent.
500k transfer? "Done." N1m transfer? "Done." N10m? "Done."
But put that same #10 million in physical cash in front of them and tell them to start handing over bundles for bottles of drinks.
They might suddenly start asking themselves:
"Wait... am I really about to spend #10 million tonight?"
Digital money can make spending feel abstract.
Cash makes the amount visible.
Sometimes, the easier money is to spend, the less painful spending feels.