Are you signing up for too many courses without actually going through them?
Or shopping a lot?
Perhaps unable to control your expenses?

Here’s a hack that works wonderfully well:
Adding a layer to process your payments, which means, asking your spouse or a family member for the OTP gives us the reality check.

If they agree, you can make the spending. If they don’t, you’ll get to check that it was spontaneous.

Choices that work, work with people who do the work with you :)