There are many negatives people come up with when it comes to the envelope system. Some of them may be valid-ish. However, we're not trying to be "smart" here. We're trying to form discipline, be really wise and make new habits. We're trying to modify behavior. It's like why we want you to stick to an exercise program when you're trying to get in shape. We're not going to be willy nilly, we have a plan for a reason!