No offence taken.
When I get paid, I transfer however much I need for rent + bills (utilities, phone, transport etc) to a ‘Bills’ pot, and all the DDs come out of there.
When I buy something on a credit card, I set aside the amount in a ‘Credit Card’ pot, and my credit card bill is set to pay out of there.
I’m also putting some money aside for some medical expenses (orthodontics), so I have a pot for that.
This leaves me with everything in my current account available as ‘free to spend’ money. I can just check my balance to see what I can spend, no need to remember whether or not the council tax has come out or is still due, etc. This is doubly helpful for me as my pay day changes each month (paid 4-weekly).
I could live without it, it’s just much easier and faster, and suits the way I think about budgeting. It’s the digital equivalent to putting the money for bills & expenses in a different envelope to the cash you can spend on food/clothes/pub/etc.