I don't think your punishment for buying an expensive luxury coffee is the main complaint people have with overdraft fees. There are plenty of people who do mon

I don't think your punishment for buying an expensive luxury coffee is the main complaint people have with overdraft fees. There are plenty of people who do monitor their balances. Obsessively. Because they have to, because they live just above the poverty line. Overdraft fees punish those people, often for things out of their control (having to take a sick day when you don't get sick pay, for example. Or just not getting enough hours given to you in the first place!), punishing their loss of money by... taking away even more of their money. This is more of a debate about society than the specific products a bank offers, but you being daft enough to pay $35 for a Starbucks coffee isn't really comparable to the lives these people live, and the vicious cycle things like overdraft fees can land them in.