I've never been poor in the sense that when I was young and didn't have much or any money to my name, my parents were well into the middle class and if my back

I've never been poor in the sense that when I was young and didn't have much or any money to my name, my parents were well into the middle class and if my back was against the wall (or even near it), they were a phone call away. That being said, at that time, fucking overdraft fees. I remember doing the math of whether I could afford something on my debit card and the times I was wrong, not realizing it for a few days (had to go to an ATM to check balance back in the day) and each transaction with a balance below 0 incurred a $35 penalty. How could that be legal? It said everything you needed to know about our laws really.