I think there are plenty of solutions to this without the cryptocurrency platform.
- Don't overdraft your account. That is what Credit Cards are for.
- If you think you may at some point overdraft your account... Get an account with overdraft protection.
To be clear, I do not support what Wells Fargo was doing... But I also think that people should accept personal responsibility for their actions. When you open an account, you sign a contract agreed upon by BOTH parties. Whether the contents of the contract are ethical is immaterial, as long as they are legal.
Lastly, I wish that our current media could refrain from directing insults while reporting stories. Both sides are acting like children. I have to read at least two articles on the same topic (from both sides of the issue) before I can even begin to find some vague form of the truth. I have lost almost all hope for any type of honest reporting anymore.