The fact that banks collected 38 BILLION from customers in overdraft fees would seem to suggest that people AREN'T choosing to change their habits, even on such a simple thing as this.

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."