You might have a point there, daily payments could turn the best of us into daily drunks.
Personally, I learned being moderately frugal from having a large (for a kid) stash of cash in the bank (piggy and otherwise). "Do I want X more than I want to keep the money?" is a very different kind of question than the two separate "Do I want X? Do I have the money?" that I observe in people who never had that chance.
Maybe something like annual/1460 a day (for not starving) + annual/24 a month (for regular bills) + annual/4 once a year (to keep that long term thinking sharp) could be the best pattern. Somewhat foolproof, but not unnecessarily fool-creating.
Personally, I learned being moderately frugal from having a large (for a kid) stash of cash in the bank (piggy and otherwise). "Do I want X more than I want to keep the money?" is a very different kind of question than the two separate "Do I want X? Do I have the money?" that I observe in people who never had that chance.
Maybe something like annual/1460 a day (for not starving) + annual/24 a month (for regular bills) + annual/4 once a year (to keep that long term thinking sharp) could be the best pattern. Somewhat foolproof, but not unnecessarily fool-creating.