Why would you spend $8 when you only have $5?

Outside of fraud the only reason you’re account is going negative is from you spending money that’s not there. It’s not a “poor” fee, it’s a fee that banks are within their rights to charge you for spending money that isn’t yours.

People need to have some semblance of financial responsibility, it’s not society fault that they spend money they don’t have

Is gambling really that bad though? It’s voluntary. Valve isn’t forcing you to buy keys or cases if you don’t want them