That was more or less my point. You can do this, but you'll have a bunch of bank fees plus the reversed transaction to pay back. You'll likely not be able to open another account at any US bank (except maybe super small banks) till you get your name clear from the several intra-bank fraud checking systems.

Paypal is similar, but with your credit. You can't just walk away from a negative account balance...

So that's why we say Go, BTC, go!