I used to suffer the same mentality until I finally woke up and started to take responsibility for my own future.
Things happen to victims. Victors make things happen.
Yes, by all means, make the banks stop gouging people like that (especially maximizing fee collection by ordering largest-to-smallest). But really, once you've suffered overdraft fees once, there's no excuse for suffering it again and again; especially not when there's such a simple solution as cash. As George W. Bush once said, "fool me once, shame on — shame on you. Fool me — You can't get fooled again."
It's happened to me. Once. Never again.
http://www.fdic.gov/bank/analytical/overdraft/
They state that the sampling wasn't random and shouldn't be extrapolated, but for the banks with automated overdraft protection that they studied closely, 4.9% of customers had 20 or more overdrafts per year and paid 68% of all non sufficient funds fees collected by the banks. An additional 4% of customers had between 10 and 19 overdrafts and paid about 16% of the fees (so as a group, people with more than 10 overdrafts a year paid 84% of overdraft fees).
The people with 20 or more overdrafts averaged about $1,500 a year in overdraft fees.