Do you really think that that's what the authors were thinking? You can't accuse people of not using their brains when you haven't engaged yours. Also you seem

Do you really think that that's what the authors were thinking? You can't accuse people of not using their brains when you haven't engaged yours. Also you seem to be unaware of https://en.wikipedia.org/wiki/Overdrafting https://en.wikipedia.org/wiki/Overdrafting