Lol, I started writing a six paragraph replay and had to delete it.

You are probably financially literate enough where my statements above is just common sense to you and you don't feel it is necessary to do extra work for something you already have a handle on.

To others just starting out, they may not know anything about personal finance or money. My statements above is a great starting point.

To someone who may be bad with money they need to practice a budget and the act of transcribing data forces them to digest and comprehend their spending decisions. If their budget is automated it is easier to overlook spending or disregard transactions because they are not engaged with their budget or spending habits.

I don't mind that you have a differing opinion. Everyone's finances and level of competency is different. But you have to start somewhere I guess.