It’s a “feature”. Banks are like “hey bro, I know she don’t have any money. We’ll get you this time. But you’re going to have to pay $35 for it. I could just not allow The purchase to go through but I know you really really want whatever you’re about to purchase. So just go ahead and buy it and pay that $35 fee. No big deal.” I know that some banks you can have them turn off overdraft protection so it’ll just fail the transaction but usually overdraft protection is on by default.
It’s a “feature”. Banks are like “hey bro, I know she don’t have any money. We’ll get you this time. But you’re going to have to pay $35 for it. I could just not allow The purchase to go through but I know you really really want whatever you’re about to purchase. So just go ahead and buy it and pay that $35 fee. No big deal.” I know that some banks you can have them turn off overdraft protection so it’ll just fail the transaction but usually overdraft protection is on by default.