

These aren’t hypotheticals my good man, these are real things that happen to real people. The fact that it hasn’t happened to YOU does not make them “hypothetical”. You’ve never seen a baby capybara, does that make baby capybara’s hypothetical?You don’t have any reason to believe what you do, it’s an article of faith, a belief maintained despite contradictory evidence. Something has fallen so far outside of the realm of your personal experience that you cannot fathom or accept it. You’re basically an economic flat earther, sure people have used “mathematical models” to determine that the earth is a sphere for thousands of years, but it sure looks flat to you. Sure people have used “mathematical models” to show that this sort of disenfranchisement exists, but you’ve never known a poor person, hence you have no reason to believe it exists. The thing that’s neat about reality is that it’s real whether you choose to look at it or not. by recent estimates 11% of eligible voters don’t have adequate ID (via. Brennen Law Institute) and as many as 18% of eligible voters over the age of 65 (via. the American Bar Association), with low income and minority groups being disproportionately affected. You can choose to verify those numbers, or not, you can choose to believe the numbers you’ve verified, or not, either way it doesn’t impact the realities that people, who are not you, face. Personally I have faith that you will continue to believe whatever you find most comforting. my only question is this, if you do not value the accounts of those affected, nor the word of experts who study such things, and you do not trust statistics or “mathematical models”, then how short of actually experiencing it yourself would you know whether it is true or not?
And back then the banks would re-order your transactions to maximize fees. So if you had 180 bucks in your account and you had pending transactions that were 3, 6, 10, 15, 5, and 165, the would change the processing order to 165, 15, 10, 6, 5, 3. That way instead of one overdraft fee you be charged four overdraft fees.