I definitely don't agree with Wells Fargo or the mass of other banks who adopt these practices, but you really have to wonder how dumb some people are. The easiest thing to do (which I did from the get go) was to specifically state that I not be enrolled in overdraft protection ... It's that easy
You can't spend what you don't have so therefore you won't get charged those ridiculous fees.
Common sense goes a long way.
"إنه لمن الصعب أن تفشل ، ولكن الأمر أسوأ أبدا أن يكون حاول أن تنجح."