Wow, you really are stupid.
Do you really not know the difference between having an overdrawn account and passing bad checks? Do you think banks are involved in criminal conspiracy for offering overdraft protection?
I notice a pattern with you.
You ask a lot of passive aggressive questions.
Psychologically, when a person asks a lot of questions in a passive aggressive manner such as you've exhibited on numerous occasions, it's typically a sign of narcissism. You don't just want to tell us what you think and why that makes you smarter, you'd rather belabor the point and first ask us what we think before you can 'set us straight.'
If you're the auspicious encyclopedia of infinite questions, then by all means, keep asking us a million times what we think.
If not, shut up.