[JoblessWonder]

I've been there too and my wife (who is also the first college graduate in her family) has it worse than me. The fact that you know it isn't a "technical glitch" but might be the "human glitch" of not having the money in your account is the big difference I think. It is embarrassing to go and pay for gas or groceries and have it be declined because you can't pay for it at that moment for whatever reason. (I think that with the advent of mobile banking this isn't as much of an issue, because you can check your live balance before you go shopping.)

I know plenty of friends who can't (for one reason or another) imagine what life would be like where their credit card is declined due to a "human error." Maybe they haven't had to live paycheck to paycheck or maybe their brains aren't wired that way. I'm inclined to lean to the former but I'm sure for some it is the latter.