No good deed…
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And it's easy enough to go online to your banks website and check your balance whenever you need to.
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Some things happen that are beyond control (e.g. natural disasters...) but not knowing that you don't even have 5 bucks in your account before you try to use your card is well within your control. It has nothing to do with chance or the world "hating you". It has everything to do with your laziness and lack of initiative to keep track of your personal finances. Your card being declined is probably the best thing that could have happened to you. If you don't even have enough money for a cup of Starbucks coffee, then Starbucks is the last place you should be trying to buy coffee.
Awh that sucks. :(