1. The bank made you sign an overdraft agreement or you would not have that service. You wanted you got it and the two parties agreed on terms. Aside, can you imagine if the DUmbass was out at dinner and the bank declined their card? Yeah shitstorm of how the bank is the worst entity ever even though the DUchebag had not made an overdraft agreement with the bank.
2. Soooper smart genius at the DUmp, the $1.25 candy bar didn't cost you $25, it cost you $26.25.
3. Unless the DUmpmonkey is a habitual abuser (which with the brain power on display it probably is) the bank will take the charge off....but...here is the hard part you DUmbf*ck would have to actually take action and call them.
4. I'm sure tht a simple system could be devised to have the snack machine and the bank's main frames establish links and protocols, look into your account, determine if you actually have $1.25 in your account, relay that you do not have $1.25, and have the snack machine let you know that you don't or would face an overdraft charge because you are to DUmb and broke to have $1.25 in your account. This looks like there's real product potential here. I bet Warren Buffet would so invest in a company that could come up with that system. I know every bank would want to buy one for a few million...oh and every snack route guy would love to pay a few hundred more for every machine but then said sanck would cost $1.50 and the $1.30 you have in the account wouldn't cover it.
No wonder they think everyone else needs to be taken care of by the government, they sure do.