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I remember when I was living with my head barely above poverty in my 20s. All the banks had $30 overdraft fees (probably equivalent of $50 with inflation) that would be charged for every offense.
So if you weren't paying perfect attention to your accounts balance and or got hit by an unexpected charge you were completely fucked. Then when my paycheck lands, I'm already $30-90 under the water for no reason. And then I'm that far below for that entire week making it far more likely I'd get hit with that charge again by the end of this week.
The bank even refused to even turn overdraft off and just refuse charges. I spent many periods of months or years paying my bank like $200/mo for no reason other than I couldn't get out from under these charges.
Fuck banks.
And back then the banks would re-order your transactions to maximize fees. So if you had 180 bucks in your account and you had pending transactions that were 3, 6, 10, 15, 5, and 165, the would change the processing order to 165, 15, 10, 6, 5, 3. That way instead of one overdraft fee you be charged four overdraft fees.