With such a critical activity that has the potential to destroy lives, "a bug" is not a good enough excuse. Hire a human to override the bug driven decision. These aren't bugs but conscious decisions taken by each bank because the fallout is on few enough customers that they don't need to worry. I've worked with/in enough banks to know someone intentionally drew a line and everyone who happens to fall under it can just suck it up.
You're not wrong. Chase has 18.5 million checking accounts and 25 million debit cards, so they can afford to lose a whole lot of small customers while still saving a bunch of money with the automation.
That’s the danger with the size of these things. With 18.5 million customers, they could literally murder a couple dozen a year and it’d be hardly noticeable.
