You should not be allowed to make transactions and buy anything if you do not have cash on hand OR at least not for a lot of things.
Whole point of bank is to save your money and avoid getting robbed but like if you can just make transaction from bank every time even when buying a dildo from sex shop, I don't see why anyone should ever carry cash on their hand, it's like you can never ever actually rob someone cause who would be mindless enough to carry their cash around when they can just pay from their bank. Please require on hand cash for transactions so we have people to rob.