Are you me, by any chance? I had been doing exactly this for years. Finally, my income rose enough that I stopped to care - I just pay from my current account and move on. But what astonishes me is that hardly anyone seems to do that, especially people earning less than the current me. It seems such an obvious idea!

I think that lack of sound financial education is the real problem here. Of course, it's country-dependent, but I doubt it's done really well in a lot of places. I have a slightly conspiracy-ish theory explaining why good financial education is not a part of primary school curriculum...