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Paying for any purchase produces an immediate pain of paying, which the shopper then balances against the future benefits from consuming it.

But this pain is not the same for cash as it is for credit cards.

But today, a vast majority of Americans make purchases with credit or debit cards. And more broadly, does it matter how you pay for your purchases?

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I never carry a balance over into next month and get a percentage back, which I then funnel into a retirement account.There are many signs that the world is moving towards a cashless economy.As just one example, a large study spanning 60 countries found that consumers made a total of 417 billion cashless payments in 2014, up from 311 billion transactions just four years earlier (or a third more, in percentage terms).Since paying in cash feels more painful than paying by credit or debit cards, paying in cash can reduce the purchase of unhealthy food items.” These studies were done before contactless payments using smartphones like Apple Pay became popular.Today, it is easy to imagine that because these methods make spending money even more painless, they are encouraging shoppers to buy impulsively, over-spend, and purchase unhealthy products even more.

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