“Proper usage of a check register eliminates the vast majority of the issue. You can't overdraft cash, right? Well, you need to view your checkbook the same way. It's just cash in a different form.
As a banker, I've seen this issue boil to a head since the creation of the debit card. In "the old days," people didn't leave home without their checkbook, which included their check register. With debit cards, the plastic gets swiped and the receipt gets shoved into a pocket, only to get thrown on the counter when the person gets home. Maybe they reconcile their register a day, a week later. Maybe.
By then the damage is already done.
I have a nice article on my (noncommerical -- no ads whatsoever) finance website on how to avoid these charges:
“That is the voice of reason, however people don't want to take responsibility for their actions, instead we can blame someone for not knowing how much money we are spending. Internet access and banking makes this sooooo easy for people that dont want to 'burdened' with documenting their spending with a paper trail.”