It is often difficult to know what balance one actually has unless one does all their accounting by hand.
This is absolutely not the fault of anyone but the account holder - even the most honest and pro-consumer bank out there will have issues with this just due to the way finance works.
Example - say you buy a pizza on delivery with your debit card. The card gets "authorized" right then and there (but the money hasn't gone), and your bank will show a difference between ledger balance and available balance. Now assume you wrote a tip on the receipt, and now the discrepancy further grows. Your bank shows you have sort-of balance-pizzaa, but it's actually balance-pizza and an invisible tip until the pizza join runs the batch hours or days later.
The responsible person will know how much money they have, and deduct pizza-tip from their ledger the moment they pay it - no ifs ands or buts.
You think that's ok
Never said that. Again, you seem to think it's impossible to believe that banks are bastards and simultaneously believe that people often act counter to their own best interests.
This is absolutely not the fault of anyone but the account holder - even the most honest and pro-consumer bank out there will have issues with this just due to the way finance works.
Example - say you buy a pizza on delivery with your debit card. The card gets "authorized" right then and there (but the money hasn't gone), and your bank will show a difference between ledger balance and available balance. Now assume you wrote a tip on the receipt, and now the discrepancy further grows. Your bank shows you have sort-of balance-pizzaa, but it's actually balance-pizza and an invisible tip until the pizza join runs the batch hours or days later.
The responsible person will know how much money they have, and deduct pizza-tip from their ledger the moment they pay it - no ifs ands or buts.
You think that's ok
Never said that. Again, you seem to think it's impossible to believe that banks are bastards and simultaneously believe that people often act counter to their own best interests.