The transfer goes through at the same time every month
You open the app. You type the amount. You hit send. Your mother's account, your brother's account, sometimes both on the same day. The money is gone before you've thought about what you need this month, before the credit card bill, before the school fees. You don't think of it as a choice anymore. It stopped being a choice somewhere around the time your father's health got worse, or your brother couldn't find steady work, or your sister needed money for her daughter's admission. You don't remember exactly when it became automatic. It just did.