Turn off Numeric Column auto populating with 0

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1

This may be stupid, but…
I have a sheet with several Numeric columns for currency. I don’t use every column for every data row. But when I create a new row, all Numeric columns are auto-populated with $0.00.
Is there a way to turn that auto-population of $0.00 off?

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2

I’d lean on a trigger formula
value if value else None

3 
value or None

This is odd, thought - manually entering “0” is still allowed… which is good for our purposes I guess, but it puzzles me since “0 or None” is None.
Only if you tick the “apply on changes” box, then inserting “0” will result in “None”, as I expected.