I did a project in the space, and iirc only like 10-20% of overdrafts (by volume) were inadvertent/mis-management, another smaller group were people that didn’t

I did a project in the space, and iirc only like 10-20% of overdrafts (by volume) were inadvertent/mis-management, another smaller group were people that didn’t care (accept that they are going to pay a few hundred dollars a year in overdraft in order to not balance their checkbook). But the vast majority actually made a conscious decision yo pay an overdraft fee, usually because it was a better alternative (sadly) than paying a similar fee to the utility, landlord, car lender,etc. and you don’t lose electricity, a roof over your head, or transportation. Depending on how they’re employed they can also be a better alternative to payday lending. Not advocating for overdraft fees, but just saying that mose users are going in with their eyes open (they just have worse alternatives)