at same time you don't wanna to ask bank for permission to spend your money every time: "Can I buy some milk today? No!, let's visit our branch first and give

at same time you don't wanna to ask bank for permission to spend your money every time: "Can I buy some milk today? No!, let's visit our branch first and give some papers which will require significant time/effort to get for you." Most just not experiencing things like this but once that happen it is hard to ignore this possibility.