Why just one Payback Pouch? Why not a pouch per debt?

Fragmenting debt into a pouch per liability optimizes for the wrong thing. It multiplies reconciliation overhead, splinters your payment capacity across many balances, and nudges you toward undirected minimum payments instead of a deliberate payoff strategy.

Every credit card and loan belongs in one of two states:

1. Transactor: paid in full, cash reserved at the point of sale. In Payback Mode, each swipe sequesters the matching cash in your Payback Pouch, so you can autopay the statement in full and never revolve a balance or pay APR. (See Credit Card Strategy.)
2. Revolver: enrolled in an active Debt Payback Plan. The balance is being retired on a defined schedule.

A pouch per debt strands you between these states: capital parked against liabilities with no coherent thesis for how they get paid down.

Both the avalanche method (target the highest APR first to minimize interest) and the snowball method (target the smallest balance first to build momentum) share one mechanic: concentrate all discretionary payment capacity on a single liability, then cascade the freed cash flow into the next as each balance is retired. A single Payback Pouch is the allocation surface that makes this automatic. The Debt Payback Plan re-points the marginal dollar for you, with no hand-rebalancing of a dozen sub-pouches.

The payoff is lower lifetime interest, minimal maintenance, and a single figure to reason about instead of a portfolio of buckets.