Oh please. Everyone should be more diligent about their finances. The difference is that someone with money says "oh damn it, I spent too much. I should buy less stuff next week" and someone without much money gets an overdraft fee.

Maybe the problem with the current system isn't poor people, the problem is just people. It's just that some people don't have any sort of margin of error, so we shouldn't tilt the scales against them too. No need to add to the shit situation they're already in.