Honoring Fees

Pathetic...been with this bank for over 3 years now and now being told about an honoring fee what silly nonsense is that...if you tell me a merchant may debit you a day or two later and if you don't have enough funds in your account we will charge you why???on that specific day when I made the transaction I had enough funds so should my life stop to make sure a merchant does their banking...when I did do the transaction were did those funds go to because they are surely not in my account anymore so if the merchant hasn't done their banking why not hold that original funds and give them when they bank why is my fault of their late banking?