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!
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.