Real scenario: you overdrew your account twice in a month. Each overdraft triggers a $35 fee, and on top of that you used an out-of-network ATM once with a $12 fee. Banks treat these as separate line items and fees add directly to your balance, increasing the chance of more overdrafts — a vicious cycle. Simple arithmetic shows how a couple of mishaps can quickly become a larger problem. This question asks you to total the fees so you can see why preventing even one overdraft matters.