I can't tell if you're defending overdraft. Banks see it as a source of revenue. I don't have sources, but I recall stories where debit transactions were proce

I can't tell if you're defending overdraft. Banks see it as a source of revenue. I don't have sources, but I recall stories where debit transactions were processed out of chronological order and caused overdrafts which then kicked off hefty fees for overdrafts of something like a dollar. Having a bank service break and causing your funds to be unavailable, or having negligent processing that can't keep up with modern banking, is much different than passing hot checks.