This is kind of like "overdraft protection" used to be before they cracked down on it (somewhat). If you're savvy or have had it happen before, you know to avo

This is kind of like "overdraft protection" used to be before they cracked down on it (somewhat). If you're savvy or have had it happen before, you know to avoid it, but otherwise it's a financial landmine ("profit center") waiting to be stepped on.