"both parties were in the wrong in different ways, and the blame, and thus legal action, should lay distributed between the two" Between these two only the ban

"both parties were in the wrong in different ways, and the blame, and thus legal action, should lay distributed between the two" Between these two only the bank, as institution or licensed financial entity, has an obligation to guard the flow of public money. The bank should not hand anyone the responsibility of overdraft limit management. The individual can be assumed incompetent and just be absolved of any responsibility solely based on that.