Earlier quoted context omitted.
Why does the psychologist in you say "that's hella stressful", e.g. Stressful for who? What is the source of their stress?
Seeing the $ every time I do something, even if it's $0.50, can be a little stressful. We should have an option to hide it per-request and just show a progress bar for the current topup.
Counting down to a deadline vs counting up to nothing.
If it costs money and spending money is stressful, there has to be a cost somewhere, we can't remove the stress entirely.