Hmm?

I'm sure every banks have limits on people's bank accounts, so it looks like you didn't make research or simply didn't care at all. But, I'm also like you, I have never spend more than my limit because the limit is way too big.

We also have an option to upgrade our account which will increase our limit, few people might have a lot money which could make them able to spend more than the limit. But, do they always spend a lot of money everyday?

This case is very rare, even Bitcoin can fix this, it's not fixing the problem of most people.
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I am not entirely sure banks have limits on spending?

I know they have limits on how much the user can withdraw per day/month/year, they have limits on international spending, how much I can transfer to someone per day and also on the debit cards depends on the type of bank account, but it doesn't make sense to restrict from spending because more the user spend they make more money.

But it's the problem only the rich people will face, not me.