Most banks automatically give you overdraft protection, the fees upwards of $30 when you overdraft. Oh Thank YOU! Wow. The guy who invented “automatic overdraft protection” made the banks billions and billions of dollars, for the convenience factor. You know when you are out fine dining you don’t want to be embarrassed that your card was declined, oh no! Well the fear of worrying what others think of our financial situation sure is motivating.

Don’t you think the technology exists for your card to simply be declined when you don’t have any money left in your account? Why would the banks implement something so seemingly customer service oriented and give up billions of dollars? Right.

Outside of a desperate or survival mode purchase, wouldn’t you prefer for the card to be declined instead of paying a $35 fee on top of a $3.00 coffee purchase?