Money is easier to spend than ever. Tap your phone, click a button, subscribe to something new—it all happens in seconds. The problem is that convenience can quietly drain your bank account before you even realize what happened. That’s why a growing number of people are experimenting with something called artificial scarcity. Instead of waiting until their money naturally runs out, they intentionally create limits on how much they can access or spend. It might sound restrictive, but in 2026, it could actually be one of the smartest ways to stay financially sane.