honestly thanks for responding in good faith/spirits, probably was a bit overly snarky I appreciate the thought put into the answer, and I do grasp that the po

honestly thanks for responding in good faith/spirits, probably was a bit overly snarky I appreciate the thought put into the answer, and I do grasp that the point is that the EU system has converged on much faster resolution times than the US and different social systems based on that etc. There just always are tons and tons of weird edge-cases (what if you get a court-ordered transaction reversal or order to the bank somehow etc) that lead to the same "you're overdrafted, and you have to pay up and then pay a fee..."