Overdraft charges are worth millions of dollars a year. It's actually really like charging people for having no money. The first time I got charged for overdraft, I was like, why didn't the transaction fail? They have that function. So how did I manage to take out 18 cents more money than I actually had? Oh, 18 cents? Nope. $20 and 18 cents now. Like, oh my goodness. Ridiculous.

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