[strobe]

at same time you don't wanna to ask bank for permission to spend your money every time:

"Can I buy some milk today? No!, let's visit our branch first and give some papers which will require significant time/effort to get for you."

Most just not experiencing things like this but once that happen it is hard to ignore this possibility.

[NicuCalcea]

I do want permission from my bank, actually. Of course not for milk, but for a car or house, for sure.