That I'm on board with. I worked IT at a company that processed overdraft debt and it was a breeze because the Banks have disgusting amounts of leverage against the poor customer.

But I also think this is a case of "we don't care about the poor people, even enough to come up with ideas to hurt them". They came up with this process that works well for middle-class and provides reliable profits, and they won't actually look into the fact that it fucks with poor people because they don't care. A few banks were giving my previous employer up 40% of their overdraft revenue to collection companies for years without a second thought. It's not a lot of money for them, but it's profits and they don't care to change what makes money. And for most lower-middle-class folks, a rare fee because a bill doesn't quite overlap with a paycheck is "better than being SOL"