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Example: You are drunk and out with your friends on a friday night after your though week of work and suddenly realizes you are god and decided to buy a round for every single person in the bar. Next morning you wake up with the worst hangover ever and you decided to check your bank account how much you really spent last night, and BOOM, this is when you really regret not putting your spare money onto a different saving account.

common, 21st century now.

try to imagine a situation that somebody being drunk would write a check, but I can imagine that this guy would use a credit card and his saving account wouldn't hold him from this situation.