Being charged for not having money

I'd like to know why if you don't have funds - as in your broke, poor... No money in the bank. Does the bank still charge you R105 for every debit that bounces?? Surely if you had money you'd ensure it's in the bank for the debits not to bounce right?? Or at least that's how I roll. But Nooooo here at fnb they charge you R105 for not having money. 5 debits bounces, that's R525 for not having money 😂 when you do eventually get a job and money comes in, you a whopping R525 shorter. Thanks fnb for *****ing me further when I'm trying to atleast crawl!