Most of the time people don’t intentionally overdraft. Usually it’s when things go thru at funny times and a deposit and payment are out of sync even if in your real world timeline the deposit came first or something.
You might also have cases where your account is low and some $120 pair of shoes you bought last week finally clears and suddenly you’re -2 dollars and the 5 $3 purchases you made that day on various things suddenly start costing $35 each.
So, sure could do everything via a credit card then paying it down, which is great but some people never actually are told shit like that. So they don’t get in that mindset and Bam… That’s where the banks get you one way or another, or all ways.
I was told credit cards are the folly of rich people and fools and that honest hard working Americans who want to help stop our dependencies on greedy bankers, are the ones who pay cash, rarely borrow (except for important things like cars and houses and school of course )
Now somewhere in there I knew there were better ways to handle it, but I certainly never did figure out or develop any sort of good debt management habbits until very recently, at best in my late 20’s. (Let’s qualify good as “better than directly self-sabotaging”) Which means for a long while all my expenses got paid from my actual cash fund directly. Now I haven’t overdrawn in years either, been fine about that; but the ideal ways and the ways I can manage always seem on completely different planes of existence.