Few questions fall so easily into my area of expertise. I responded:
Generally, no, though banks do have a tendency to time transactions to maximize the possibility of collecting overdraft fees. Inasmuch as there are plenty of ostensibly “poor” people who don’t overdraw their accounts, the people who are discriminated against are stupid people, which is fine with regulators and with me.
A roving asshat chose this moment to weigh in:
You obviously have not lived on the bubble like many middle and lower class Americans are forced too [sic].
Your answer reflects your lack of empathy and compassion.
The guy’s reading comprehension is obviously on the low side, since the people I criticized were not the poor, but the stupid. But no, his knee couldn’t jerk fast enough to get this boilerplate flung at me. I responded with a brief unpleasant history of my own, but in retrospect I think the more useful response would have been simply “Sod off, Swampy.”