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This is exactly it. I'm glad you could explain it better than I could. I still don't understand it necessarily, but I don't understand a lot of what I lived so I'll survive.
I mean I really only solved it by having accounts I don't look at (emergency fund, retirement), accounts I use regularly (bill pay, "entertainment") and an accountant who helped me set it up so I wasn't spending every dime. It can be done by yourself but I wasn't psychologically prepared. I'm also the only employee of my LLC so there's a business account but it's just taxes, my salary, and enough for a new computer every few years. That's not my account and I never personally touch it.