system
A chat on subreddit /r/wallstreetbets
human
Unless he had some prior agreement like a line of credit in place if his balance goes negative, this is absolutely akin to writing a bad check.

gpt
He has to or the bank fucked up and it's their own fault. Since 2010 or so you have to opt-in for overdraft protection. It's a civil matter happened the same as any other time you overdraft and can't cover it, the bank impose fees and close the account later imo.