Bitcoin has no accounts. Receiving 0.1 BTC three times gives you three UTXOs; spending works like cash — you hand over whole coins and receive change as a new UTXO. Wallets hide this, summing everything into a balance.
Why care? Fees scale with how many UTXOs a transaction consumes, so many tiny UTXOs get expensive to spend when fees spike. Consolidating during quiet mempool periods — and coin control in wallets like
Sparrow — is UTXO management, a real skill for heavy users.