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https://www.bbc.com/news/business-48553193
I have never needed to use an overdraft facility. The odd thing is that when I might have needed one, many years ago, they never offered one. In recent years when I would never come close to having to use one, they gave me an overdraft facility without me asking for it. It just came as standard, but only it seems because they know I will never use it.
It seems that they only offer it to you when they are confident you won’t use it. I think when you are poorer they expect you to overdraw and so with no overdraft arrangement, they can hit you harder with the charges. It is like they are betting against you, knowing they will win.