"“The more you disconnect spending from physical spending, also known as ‘decoupling,’ the more you’re likely to spend,' said Eric Johnson, professor of business at Columbia University. Think of casinos using chips or Club Med using bead-necklace drink tokens. 'If I’m taking cash out of my wallet, I’m keeping track of what I’m spending, but when I use a credit card, I don’t post those transactions until the end of the month when the bill hits, and the same with Apple Pay.'”
Thus, some pain is good - it keeps spending under control by triggering self-control and enacting deliberation at the time of purchase.