I don’t have a debit card and I never overdraw my account. Maybe I could be a role model!
Problem was such sleazy tactics as when customer would
deposit money in account and then go shopping. Bank would
make withdrawals FIRST then credit the money to account
often resulting in overdrafts
Also if go to gas station and say “Fill ‘yer up” will place
a hold on your card for $100, even if purchase much less
Result customer would accidently overdraw account thinking
still had money available.
Because of such thieves have the heavy hand of gubmint....