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Why would you spend $8 when you only have $5?
Outside of fraud the only reason you’re account is going negative is from you spending money that’s not there. It’s not a “poor” fee, it’s a fee that banks are within their rights to charge you for spending money that isn’t yours.
People need to have some semblance of financial responsibility, it’s not society fault that they spend money they don’t have
I’ll give them benefit of the doubt and assume they’re using the brave user agent in Firefox.
If that’s the case the solution is simple, switch back to Firefox user agent. Or use Chrome as your user agent, you can whitelist specific sites to use any user agent you want