Depends. Why can't banks offer more debit cards to more people and, I don't know, stop honoring overdrafts? Transactions should decline, not overdraft, even with overdraft off.
We've built lots of traps for people that have balances near-zero that keep them near zero, and one little mistake snowballs into blacklists from Telecheck, ChexSystems, and other fun companies.
Meanwhile once you can keep your balance with at least three significant zeros in it, the bank will be happy to shower you back in rewards and cashback, ripped away from the fees and interest levied to the poor.
We've built lots of traps for people that have balances near-zero that keep them near zero, and one little mistake snowballs into blacklists from Telecheck, ChexSystems, and other fun companies.
Meanwhile once you can keep your balance with at least three significant zeros in it, the bank will be happy to shower you back in rewards and cashback, ripped away from the fees and interest levied to the poor.