Honestly if I were in danger of overdrafting with a purchase, I would rather the transaction be denied rather than have the bank do me a favor and “spare me the embarassment” of having my card decline. If someone doesn’t have $4 in their checking account to cover the purchase their morning coffee, what makes a bank think they will be able to cover the $28 racked up in overdraft fees? What even bothers me more are so called “overdraft protection” accounts which still charge you a fun little fee for the “convenience” of transfering money from your linked savings account. I just don’t understand the world we live in.