The problem with taking all we can get away with is that we fail to invest in a cushion, in goodwill, in a reserve for when things don't go the way we expect.
Short-term thinking pays no attention to the possible need for trust. It pushes us to take what we can right now, without regard for tomorrow.
The magic of overdraft protection is that it almost always costs less in advance than we'd be willing to pay later.
What goes around...