You must be a banker, so I defer to you. I specifically asked the bank to not allow me to go over my limit. They ignored me and let me go over. At first they said, "We thought we were doing you a favor." Eventually, they admitted that this is how they make their money, so they are going to give me overdraft protection whether I wanted it or not. So I changed banks and they honor their promise to reject all purchases that go over my limit. You are right. I love money just like everyone else. But I do not spend in on myself. I live in a room with a bathroom down the hall and no shower. I give the rest of my income to charity. All my friends think I am codependent, but I don't care. It feels good to feed the poor. I am not rich but God sends me money when I need it. He paid the over-limit fee!
I studied history in college. Jamestown started as a commune. They almost starved to death when they were asked to share food with their neighbors. But when the leader said start earning money just for yourself, everyone got busy. God loves the rich and he loves the poor, but he is especially fond of those that share.