Considering the very first example from the article - does America not have bank transfers? Or accounts which cannot be overdrawn? I&#x27;ve had bank accounts in multiple different countries and it&#x27;s usually the same - if you don&#x27;t apply for an overdraft, you won&#x27;t get one. If you were given one, you can cancel it. If you weren&#x27;t given one, then there&#x27;s practically nothing that could actually overdrawn the account, the only time when that happened to me was when the currency value changed in between me sending the money and the bank processing the transaction, at which time it was too late for the bank to reverse it - so I went like -$2 on my account which wasn&#x27;t supposed to be overdrawn.<p>And $7 to send a money order? Really?