Unauthorised debit

Did speak to Ayanda Zondo this morning about the unauthorised debit that charge me R100.88 because my acc when into a minus with R6. She put me through to action line where I spoke to Dion & he told me that I was held liable for what is happening on my acc which I totally understand, but what makes the matters worse is that he told me that I must check my acc daily…really who in his right mind looks at his acc daily so I ask him do you do that. His responds classic... So you don’t spend what you don’t have. My response is when there is no money in the acc then decline the transaction but Absa is clever people. Before checking the fact he just spoke to Ayanda without out even looking in my acc what happen. That is the type of answer I got but I did the transaction on the 18/05/2018 when there was sufficient funds in but due to the fact that the money was withheld and the merchant only bank on the 22/05/2018 there were insufficient funds. So how can I be held liable, take ownership or check my acc daily if this is happening. Just think if you could have done this to 10 000 people x R100.88 = R 1 008 800.00 for acc that when into a minus with less than R10.Very disappointed in Dion for not even going the extra mile.