I don’t know about the OP’s reasoning, but for me, it’s much easier to track spending with only a debit card than with a credit card that I periodically pay off from my checking account. A single stream of transactions is much easier to budget than one that cascades into the other.

That makes sense. Some banks offer the ability to track all accounts in one place, but my bank’s implementation is not that good and I haven’t found a good app I can trust to do it.