Challenge accepted. I am going to regulate this problem away. New proposed regulation: 1. Banks must make rejection of a charge, rather than overdrafting, the

Challenge accepted. I am going to regulate this problem away. New proposed regulation: 1. Banks must make rejection of a charge, rather than overdrafting, the default. 2. When overdrafting is enabled, cap the fees at some amount (say, $5), and also cap the amount the account can be overdrafted at, say, $50. Looks like a pretty disgusting scheme to me. /sarcasm