Failed debit orders - Because you only deduct at 12am in the mornings

I tried calling my ill grandparents this morning but the voice kept saying that I need to recharge which was weird because I have a Talk Max contract with FNB. So I do the logical thing and check my talking minutes (because I get 46000 of them monthly) and it shows 0.00 minutes.

When I call the FNB Connect call centre number, I hear that the debit order had failed. My salary only reflects after 2am on the 25th of each month and according to the lady who assisted me, my account gets debited at 12am and they'll only attempt another debit on the 26th (12am tomorrow morning) because they cannot attempt another debit on the same day. It has happened in the past where I was debited before monies reflected and I was charged a penalty fee on all debits which was not paid.

There are 24hrs in a day... I cannot use a service which I willingly pay every month. I will not pay a returned debit fee and I am LIVID because I cannot make contact with people who I really need to speak to.