 arm you might have if you're like buying groceries or something like that because you didn't have the money to eat otherwise but a most people is just disorganization if you laid out a game plan your game plan would not be I'm going to intentionally create thirteen hundred dollars overdraft fees that would not be your game plan I don't think you did that you're too intelligent to do that on purpose that make sense yes it's kinda what happened as a part of the chaos in the disorganization and coming up short