It's not a delusion. From a legal perspective, the bank treats actions which are authorized by you and actions which are not differently. If you enter into an a

It's not a delusion. From a legal perspective, the bank treats actions which are authorized by you and actions which are not differently. If you enter into an agreement that says you're authorizing entity X to charge you based on a contract and they charge you, the bank is likely to side with them, and tell you to go sue them if you want your money bank. If the bank knows that you did not authorize the ACH transfer, they're supposed to reverse the transaction.