New Delhi, Jan. 30 -- The transition from physical cash to digital transactions has fundamentally reshaped the relationship with money. While the change happened gradually over several years, the impact on daily routines is now significant. People no longer measure wealth by the thickness of a wallet but by the numbers displayed on a glowing screen.

This shift has introduced a level of convenience that was once considered unlikely. Every small purchase, from a pack of gum to a high-end gadget, is now just a tap or a scan away. This ease of use has streamlined daily activities while simultaneously creating new challenges for how individuals manage personal budgets.

As societies move further away from a cash-based system, the psychologica...