[BoorishBears]

If instead of taking uninformed pot shots you took just a moment to check, you'd see overdrafts come from a tiny slice of customers who get hit by overdrafts over and over again.

No one made any excuses for anyone, it was a simple statement of fact that batched transactions save a marginal cost for the good in question and affect the age group that's using them the most.

—

It might even be profitable for them to eat the processing fee and call out the fact there are already X dollars pending to users who have had at least one NSF in the past year as they check out. Why give the bank $20 out of your most captive customers pockets, to save .03 cents on payment processing?

There seems to be this weird idea that it can't be profitable to do things that help your users.

[xwdv]

If you can pause for reflection to go check your past history of purchases to determine if you should make another purchase, then you could probably just remember if you’ve been on a recent spending spree.

[BoorishBears]

Huh? I'm saying Uber should surface when an order is about to compound a pending transaction, precisely so they don't need to go and find that.

You're also again, showing how completely out of touch you are with how millions of people live: it has nothing to do with a recent spending spree, there are a lot of people who just live in a state where they're always near $0.

The middle class version of living paycheck to paycheck is not having a properly sized savings, there are people who live below that. Some random bill or fee landed the same day as their order is enough to get hit with an NSF, or multiple.

People in a certain bubble take this very black and white view of it. "Why do they have random bills?? Why would they have Netflix and be ordering Uber Eats??". You think that's idiotic, so by implying there are people living like that, I'm coddling idiots.

The truth is life is short and then you die. If people feel a certain level of hopelessness and lack of control over the larger picture, it can be hard to get excited about essentially balancing their checkbook before ordering dinner. I'm not going to sit on some high horse and act like they don't get to make "bad" decisions for comfort.

How many people in tech are still shackling themselves to 7 figure homes after the rate hikes and the layoffs to satisfy their FOMO instead of taking a more rational approach?

[olliej]

Most people being hit repeatedly by overdraft fees and the like aren't on spending sprees. They're people who have little to no money, and earn little to nothing. They get hit by overdraft fees whenever any bill is larger than expected, or they get a parking fine, etc.

I really don't think people understand that if you're commenting on HN you are unlikely to be in the same financial ballpark as someone who is actually poor.

[BenjiWiebe]

Oh and if anyone knows anyone is suffering this, have them look into fee-free banks such as Discover bank. 0 fees.