I can say that when I find myself to be cashless, I start praying for the end (of the pay period).
A favorite book passage: "...secrecy is the keystone of all tyranny. Not force, but secrecy... censorship. When any government, or any church for that matter, undertakes to say to its subjects, "This you may not read, this you must not see, this you are forbidden to know," the end result is tyranny and oppression, no matter how holy the motives. Mighty little force is needed to control a man whose mind has been hoodwinked; contrariwise, no amount of force can control a free man, a man whose mind is free. No, not the rack, not fission bombs, not anything -- you can't conquer a free man; the most you can do is kill him" John Lyle in Revolt in 2100 by Robert A. Heinlein