There are people out there who make enough money that they don't bother with an item-by-item check of each charge. I can't blame them. Being that careful is a huge cognitive load that scales with the number of charges even if it comes back to bite them when times aren't so good.

Now that I think of it, in the US people probably pay everything with a credit card? That would definitely be a longer list of expenses to check. In Europe the default is to use debit for physical card transactions, and credit much more rarely mostly for subscriptions and online purchases.

Debit cards are pretty popular in the US. Cash is used more than in Europe, partly because about 20% of the country doesn't have a bank account, partly because a significant number of who do still prefer using cash.

Personally, I use cash for day-to-day transactions, credit if I want the third-party record or it is a larger transaction. I never use debit because the protections are stacked against the user, and CC cash back schemes refund a portion of the credit card cartel tax. So not using it except at the bank ATM means I don't have to worry about the number being abused, unless my bank's ATMs are compromised.

my current bank app (in europe) just sends me a push message on any transactions made in my name. and the previous bank had a sms service for the same

not much cognitive load or anything (i disabled sound for these and just check em once a day) and very hard to miss any transactions you didn’t really authorize

My expenses are 30% of my income and I use a credit card for everything. Bank automatic deduction at the end of the month. I have a ballpark expenses figure I pay monthly. If I don't see a >10% increase in spending, I don't bother to check each item.