In real life, the bank would not actually send you a 44 cent letter to tell you that you only have 15 cents left in your bank account. What banks actually do nowadays is send you a 44 cent letter telling you that, since you only have 15 cents left in your account, you now owe the bank TWENTY FIVE DOLLARS for “servicing” an account which only has 15 cents left in it!
In real life, the bank would not actually send you a 44 cent letter to tell you that you only have 15 cents left in your bank account. What banks actually do nowadays is send you a 44 cent letter telling you that, since you only have 15 cents left in your account, you now owe the bank TWENTY FIVE DOLLARS for “servicing” an account which only has 15 cents left in it!