

I’ve always been able to decline overdraft when opening a bank account in person. Banks argue the fee is preferable to the embarassment of having the transaction declined, but with how often credit cards flag fraud the embarrassment when it happens is practically zero.
Do people not budget? Like for the meme it’s funny but frivolously spending on payday to the point you can’t get groceries the next 1.5wk is a completely avoidable situation. Compared to rent food costs are nearly nothing if you’re meal planning. And if even that’s stretching the budget you’ll be less stressed getting (maybe another) roommate.