Absolutely the same to me.
Mr. Athena is actually the opposite of what you say about cash being harder to spend. I keep trying to get him to get a couple hundred bucks every time he goes to the ATM, so we both have cash to last a while. He keeps coming home with $40 or $60. I ask why, and he says he doesn’t want to spend our money so fast.
I’m always like - whether it’s $200 in the bank versus $200 in my wallet has no bearing on how fast I spend it. If I want to buy something and I don’t have cash, I either pay with a credit card or go to the ATM. I certainly never say “Oh, I have no cash, so I won’t buy this thing.”
He thinks differently. I don’t think it’s true - I’ve never seen him not buy things because of a lack of cash - but I still can’t get him to get a decent amount of money from the ATM.