Why is my nsf fee so high at my bank? (profanity)

This has pissed me off for a long time, but now more than ever, thanks to paypal and fucking fourth of july.

My bank charges $45 for non sufficient funds, fucking brilliant right? “Oh this guy didn’t have money, let’s fucking charge him more”.

So, I bought a few things on ebay, through paypal of course. These purchases were all on the third or the second of this month.

Now, the other day I had 11 bucks in the bank, did some pc work, put in the $30, and I have -$44, which makes no sense.

I call up paypal since five different payments were charged to paypal on the 7th in a row, with no fucking record of it, turns out, the main purchase,(for three of them) and not the shipping, because it was a holiday, though all these transactions were made through paypal, so that makes no fucking sense.

Then, a couple days later, my bank account is down to -$94, another fucking $45 nsf fee, so whatever $100 I make next will basically disappear into the fucking void.

And now, I get an email from paypal, due to nsf fees, the funds were “returned”, so I have a – $49 balance on paypal as well, which means the next $150 I make will fucking disappear.

Seriously, why the fuck does a bank charge this G-D much for NSF, sure, they have to cover the cost, but ffs, charging $45 on fucking $20? Why the fuck just not charge interest, or increased interest, instead of a fucking ridiculous amount like this? They will even charge that much if you are a few bucks short of something like a phone payment, turning a $70 bill into a $115 bill.

Sigh, just so tired of this crap, being overcharged for these BS reasons, all of this due to some stupid holiday in the states that paypal takes off, though they will still do half the stupid transaction.

edit: I guess the main questions aside from ranting and getting this anger off my chest is why the hell is it such a high charge, and why did paypal do the main transaction but not the shipping, even though it was a holiday and they “don’t do any transactions” on holidays?

I’m also curious what the NSF fee at your bank is.

edit: heh, sent to editing twice for the title :P