I mean if you did withdraws down below the amount in your account and then paid overdraft fees, who’s fault is that? If you want to spend money you don’t have use a credit card.

Lol bro what primitive money grubbing system is this? I am always aware of my bank balance via an app (UPI, India).

This should be obvious: Transactions should fail if there’s not enough balance. No overdraft bullshit.