[joshuak]

A. Use small claims court. I have. It is very successful. The more who do it the harder this abuse will become.

B. It is the banks responsibility to maintain an accurate accounting of funds deposited with them.

A customer has no mechanism to instantaneously check their balance, and 'hold' funds for a transaction, or if unavailable avoid the transaction.

The bank does. It is the debit card system.

They, not you, are responsible for using the systems they have to avoid accounting errors.

No one should be made to feel guilty because they are poor, or for failing to keep a ledger that only a bank has the ability to keep.