One would think a bank account were an instrument for storing and retrieving one's own money. Banks opted in customers to a system that would allow them to extract fees from people who work with low account balances. They exist.
Furthermore, if you look around this post's comments you'll notice that banks do far more than just charge for overdrafting. They specifically optimize for extracting such fees and behave in an adversarial way. It is often difficult to know what balance one actually has unless one does all their accounting by hand. This is a ridiculous cognitive burden that people with ample account balances do not have to work with. Every institution acts adversarially in this way, because institutions operate to maximize their power as much as they can.
It is not ridiculous to think that human institutions should be structured to serve people, not exploit them.
> Are gun manufacturers to blame as some part of power structure when you point it at your foot and pull the trigger? If not, why?
This is a stupid analogy. A better analogy would be, say, if you tried to withdraw money from your bank account, and if you overdraw, instead of rejecting the transaction, the ATM shoots you in the face.
It doesn't even fucking matter. The point is that some humans with a lot of power optimize the extraction of resources from lots of humans with very little power. You think that's ok and that a society structured around humans being hostile and exploitive towards each other is a good thing, and I think that's objectionable.
