let me tell you how banks actually work.

you have $2 in your account.
you spend $4.
you’re overdrawn by $2.
the bank charges you $35.
not because they lost anything.
not because it cost them anything.
not because $2 hurt a institution sitting on billions.
just because the fine print said they could and the people getting hit with these fees aren’t people who forgot to check their balance.
they’re people who checked their balance. knew it was low and bought groceries anyway because the kids needed to eat.
banks collected $8 billion in overdraft fees last year. $8 billion extracted almost entirely from people who were already struggling.
then turned around and called it a service. a service.
charging you $35 for being $2 short is not a service.
it’s a penalty for being poor.
and the same banks that charge you $35 for a $2 mistake got a trillion dollar bailout for their $700 billion mistake.
but sure, you just need to manage your money better.