I've gone from debt free to >$100k in credit card debt more times than I care to count. I opened a 'work reimbursement' account with $ in it. Impulse buying/dopamine mining is still a problem, but more frequently it's simply not an option because I can see there isn't money for it. But honestly, I've never gotten a free loan from them because I fall back into debt almost immediately after getting clear. If you're like me, if you have ADHD and the typical money problems that come with it, this might work for you.