Not sure which discussions you call "petulant" but banks high-to-low ordering payments is predatory against people who lack liquidity. (Simple example: if you have $500 in your account, and the following transactions happen in sequence in a day: a +$200 deposit and a -$600 rent deduction, some banks will specifically override chronological order and process -$600 first so that you get an overdraft charge, despite having positive balance all the way when processing chronologically.) This is might not be a common problem for a lot of users of this website (though see a sibling comment re: ADHD), but the problem is real, not "petulance". https://www.nber.org/digest/202103/bank-ordering-debit-charg...

Of course this only happens to you and me, whereas banks can and do use daylight overdraft and can easily go billions in overdraft: https://www.federalreserve.gov/paymentsystems/psr_dlod.htm (There is a 50 basis points charge for uncollateralized overdrafts (and none for collaterized) but that is less meaningful in relative terms than $30 charge for people in above scenarios.)