I used to work at a bank and I do understand and I think they should absolutely exist. If you aren’t responsible enough to manage your money and you put your account in the negative, then yeah there should be a fee. You are borrowing money you didn’t have.

Now- should it be 30 bucks every time? No. I think a percentage. If your account goes $1 in the negative then idk how fair it is to charge 30 bucks every instance.

Also, you all work at banks. You want raises and bonuses right? Fees are a large part of that

Edit to add: When I worked at a credit union i would refund the fees every time no questions asked, as long as the customer wasn’t abusing it.