[selectodude]

The charge should be declined, no different than a credit card. Allowing it to go through and then charging usurious fees is wrong.

[Touche]

Fine, say it's wrong. Don't say it's a "tax". You have no choice with regard to taxes; you have a choice to not overdraw your account.

[Steltek]

Exactly what kind of choice is it if banks aggressively pursue strategies to make it impossible to determine if you have sufficient funds in your account? "You have a choice to go through Door A or Door B. One door will brutally kill you, the other has pizza and ice cream." There! Aren't you happy? You have a choice!

[themartorana]

What is the purpose of being so overly pedantic? It's all over this thread.

"A rose by any other name would smell as sweet..."

[Touche]

Because the distinction between being a victim and being a willful participant in a malevolent scheme is an important one. Recognizing that makes it easier to diagnose why things aren't as ideal as we wish they were.