What i hate about these fees is that the banks set up their order of processing to make these fees as big as possible.

Checks get sorted from biggest to smallest. So, one you run out of money, you get dinged many more times. (if ordered smallest to biggest, you would be dinged one time)

Deposits get sorted last, so that all the overcharges happen first.

And this is just the known stuff. I wouldn't doubt that banks sort things, and shuffle them over several days.

I very much like cryptocurrencies because you know exactly how much you have, and exactly when each piece is spent. Further, the fee is shown to you before, and agreed to before the transaction.