<ramble alert>
In my youth (a verrrrrrrry long time ago), when I didn't know/care to keep track of my account balance closely, and I was making "lots" of fast (legal, BTW) money, I noticed my checking balance was about 4k higher than I would have expected (it didn't surprise me as I had lots of income and no real bills)... so I spent it on a new car. A few weeks later, I got a letter from bank demanding I return their "misappropriated funds" (their words). I went to see 'the man' in the big corporate office and they had security personnel there and they verbally assaulted me, and bullied me into signing a loan agreement at 18% interest... they literally refused to let me leave the building until I did (yes, today, I would have used my cell phone to call the police and tell them I was being held against my will... back then, we barely had cordless phones... much less cell phones). So, I signed, left, paid off the loan with my next 2 paychecks, filed charges against the bank executive with the police (which went to court, where I testified-- he was found guilty by judge and sentenced to community service). Somewhat satisfying, but also very scary for a recently-on-my-own teen. Now I know my account balances at all times.
</end ramble>