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It's a bandaid on a massive headwound...
Then sending you home while still concussed and bleeding everywhere.
Sure the band aid is better than nothing, but if people are having multiple overdrafts a month, then their real problem isn't how much an overdraft fee is.
Say someone has 4 a month, that's a lot, and I doubt many get that consistently.
Going from $33 to $3 saves 120/month.
It's not nothing, but that person is still negative on their bank account. Probably carrying a shit ton of credit card debt. Speaking of, doing something about interest on predatory lending (including credit cards) would be much more effective, but hurt the rich and banks even more
The main issue is a lot of people do to have enough to live.
This is a huge fucking problem and this will be a huge help. Don't let the perfect be the enemy of the good.
https://www.consumerfinance.gov/about-us/newsroom/cfpb-issues-report-showing-many-americans-are-surprised-by-overdraft-fees/
Helping poor people is always a good thing.
Ok but the other guys are the ones bashing my head in so
And someone who won't is better.
I'm not denying that.
But why would you pick someone to help you with zero medical knowledge just because he wont keep bashing?
Why wouldn't you want a doctor or even just a school nurse instead?