I found the opposite was true.. Having cash in my wallet meant I didn't know where it got spent (not specifically in bars though, just in general so maybe we're talking about different things).

With tap + debit, I can track all my individual transactions via services like Mint, plus my bank sends me an email on every transaction that happens to my accounts, so I have redundant logging of where all my money goes.

I find that both of you are right and this is why I'm always broke.