I have never ever had a transaction that overdrafted where I was happy they didn’t just decline it. Zero desire to pay $38 for the “convenience” when I could have just used a different card.

I’ve asked my bank to not allow it on my account at all and they told me NO, they can’t do that, because it’s “a service we provide our customers for their convenience”. Right. I don’t want that convenience, dicks.

Goooood! No more free money from broke people. Go get a court to force them to pay!