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The single most radicalizing moment of my life happened when I was 21. I was living paycheck to paycheck at the time and BARELY scraping by. It was payday, and I went to use my debt card to buy groceries, and it was rejected. I knew the direct deposit was in and I was confused. My account was almost empty. I went to the bank to figure out what happened and nearly lost my mind. I was hit with dozens of 30 dollar overdraft fees. The bank intentionally put through large charges FIRST despite the large charges being charged after. They held back the lower micro purchase charges, and then once my account was zeroed out, they put through a string of small charges, charging me 30 dollars for each one. I paid over 30 dollars for a tin of altoids, I paid 35 dollars for five dollars in gas. Had they posted the charges correctly, I would have just been rejected. I was young and dumb and barely scraping by, but my balance at the ATM kept saying there were funds available. They hit me with so many overdraft fees that it took me months to get back on even footing. I still think about it today, and I'm filled with rage. They still pull this nonsense today on the young and poor. So yes, I'm harsh and critical towards our banking system. I want them all in prison.