Absolutely!!! Fiscal responsibility is responsible and should be practiced but there are moments where someone just don't have the funds to cover a bill/S. Some take the chance and get an overdraft fee (normally $30) and hope to cover it the following pay period. There are some banks that charge overdraft fees daily which could hit the $100s and that is hurting the people. The people are the ones that matter not the banks. Capital One is one of the banks I bank with and they don't charge an overdraft fee which came in handy a few times. A credit union, I won't name, on the other hand charges $30 overdraft fees daily. It hurts financially, mentally and emotionally not be able to afford a bill that's unavoidable and we don't need bank fees added on top of it all.