I can sympathize with some of the poor people who had accidental expenses that they could not have planned for. But I'm really having trouble understanding how this article makes it seem those fees are hard to avoid as poor person.

When I was living under $1000 budget, overdraft fee was unheard of, because when you have very little money, it's easy to manage, you only need a few hundred dollars in your account for daily spending. And bigger purchases (>$100) are planned so they can be actually paid for. I also never knew there were consequences for paying electricity late, because renting my own place is out of my budget.

Funnily, I only ran into those "poor people" issues like expensive credit card interest, overdraft fees, predator car loans after getting my first full-time developer job, because I stopped managing my expenses.