I knew someone who budgeted her overdraft into her budget weekly, like actually considered it as part of her spending power, every week. *Every week.* This person signed up for a chime card just to get a free 35 dollar overdraft once a week. Wanted me to sign up for one so she could get the $20 referral and buy a cape because she'd already used her 1 fee free overdraft for the week and it was Thursday. Just putting out there, while these adverts are certainly evil, they're not for you and me. They're for a particular breed of people that can't think 24 hours ahead. And you can't help those people; they have to help themselves and they're wholly uninterested.