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Aye. Recall that banks earn most of their money from service charges. It is not in their interest to warn customers or in any way prevent charges unless the bank is certain it'll be bad debt. It's up to customers to monitor their balances.
Might this help motivate your friend to stay above zero? She's hitting back by keeping her charges to an absolute minimum.
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There are a vast number of people who are uninformed and heavily propagandized, but fundamentally decent. The propaganda that inundates them is effective when unchallenged, but much of it goes only skin deep. If they can be brought to raise questions and apply their decent instincts and basic intelligence, many people quickly escape the confines of the doctrinal system and are willing to do something to help others who are really suffering and oppressed." -Manufacturing Consent: Noam Chomsky and the Media, p. 195
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