In the world of banking, the people on the front lines of the industry are known as tellers. These are the people who are expected to help customers with all of their day to day banking needs. It is often a thankless and miserable position to hold. These are their stories. These are their legends…
I know I’ve complained before about people who don’t keep track of their accounts. I wouldn’t get upset about it, but it’s simple addition and subtraction. Someone with the education of a 2nd grader should be able to balance a checkbook. This post’s complaint comes in the form of a woman who shall henceforth and forevermore be known as Mama Idiot. She has two Idiot children, Brother Idiot and Sister Idiot. They’re like the Berenstain Bears, except they’re idiots.
This one time, Mama Idiot came into the bank to deposit money into Brother Idiot’s checking account. Apparently, Brother Idiot was a college student who used his debit card without checking to see if there was any real money to back it up. And every time that debit card was used without the money to back it up, there was a $35 charge from the bank. Pretty standard, really. So, Mama Idiot, being the enabler she was, loaded money into Brother Idiot’s account to take care of the fees.
Fast forward, roughly a month. Mama Idiot returned. Sister Idiot’s account was in the negative. By a lot. Same problem. Same solution.
This message is for Mama Idiot, and for any other enabling parent that feels the need to bail their kids out of every jam they get themselves into. Don’t. Okay? Just don’t give them money whenever they over spend. Let the bank go after them. Let them have a bad credit score. It’s the only way they’re really going to learn from their mistakes. If you throw money at the problem every time they overdraw their accounts, then in the future, they’ll be conditioned to know that Mama Idiot will step in and fix everything.
Look, I know this is harsh. A parent’s natural instinct is to rush in and help their children when they’re in trouble. But sometimes you have to let them fail. A bird doesn’t learn to fly and find its own food by hanging out in the nest and letting its mother regurgitate worms for its entire life. And parents whose kids have not reached the age where they can screw up their bank accounts, just remember, they’re watching you. Kids learn spending habits from watching their parents. All I’m saying.