The customer is always at a loss

I find it really unfair that our accounts are not secured from ********** debit orders, for the past 3 months I have been going to the branch reversing ********** debit orders. I would have 3 at one time, should the ********** debit my account and there is insufficient funds I will be charged R150 for the unsuccessful debit order, when I go to the branch to reverse it I am charged for the reversal. so either way the bank wins, how am i to trust that it is not internal ***** happening as the bank gets their cash either way.. whereas I'm left with frustration of having to drive to the bank and paying unreasonable fees..our money is not safe at all and yet you are a big bank but still fail to protect your customers from such violations. truly upsetting.