It's worse than you think for those with low balances.
Gas stations and some other companies 'susceptible to fraud' Have the ability to withdraw cash before the whole bill goes through. So the swipe has $70 withdrawn, then redeposit it (with a long delay), and then charge your bill. So you end up with multiple overcharges for one transaction if the first withdrawal is too large.
Account features like paying/auto-transfer from savings being disabled if you trigger arbitrary rules.
Normal banks and even most credit unions are purposefully exclusive in policy. Though I imagine a lot of it is "this is just how it's done" than purposeful. Though it does all feel pretty hateful after banking at military banks, since there is a working model right there.
I forgot about the gas station issue, also happens with hotels and rental cars. It's not technically a withdrawal, the money stays there, but it is a hold on your money preventing you from spending it which will cause the overdraft fees when you spend money you think you have (and technically you do) but can't spend because it's been held for a week by a gas station. At times I've tried to go all debit card for spending (as a way to kind of "reset" myself when I've let my spending get out of hand). But gas stations will always go on my CC because of this issue. Local ones here put a $99 hold on my cards, typically, and they usually stay on there for 3-5 days.
Gas stations and some other companies 'susceptible to fraud' Have the ability to withdraw cash before the whole bill goes through. So the swipe has $70 withdrawn, then redeposit it (with a long delay), and then charge your bill. So you end up with multiple overcharges for one transaction if the first withdrawal is too large.
Account features like paying/auto-transfer from savings being disabled if you trigger arbitrary rules.
Normal banks and even most credit unions are purposefully exclusive in policy. Though I imagine a lot of it is "this is just how it's done" than purposeful. Though it does all feel pretty hateful after banking at military banks, since there is a working model right there.