Unauthorised debits

Its so sad that we entrust our money to banks but at the same time banks do nothing to protect our money from those who try and ***** it,last month I got an unauthorised debit from Asicom and fortunately there was no money in my account but due to the failed debit order I was charged R99 then this month again another company tried to debit (Easydebit) and again there was no money in my account and was still charged for the bounced debit...its high time banks do something to verify these debit orders and make sure their customers are protected, we can’t be paying for bounced debits that we know nothing about,this is unfair on the banks clients, no we can’t live like this honestly