Even though I know it’s a mistake, the ideal — the correct thing to do — is to always use a bit of your time bank.
Ideally, you should spend at least five seconds of your time bank to make the best possible decision.
Of course, there are
hands you know are automatic folds.
But there are others where you really need to think.
I usually make decisions pretty quickly, even knowing I should use the time bank.
So the right approach is to use your time bank according to the situation — the tougher the spot, the more of your time bank you should use.