There is a universal truth we must acknowledge. It’s easier to spend money if we never hold it in our hands. This is why people end up in serious trouble with credit cards even when they have wads of cash in their wallets. The “cashless effect” is a very real thing, and it benefits ecommerce sales in ways retail sales don’t experience. The question, of course, is why? Why do digital wallets, debit cards, and credit cards encourage spending?