Honouring Fee ****

I need assistance again with having all my 'Honouring fee' charges reversed as none has been reversed as requested. This Honouring fee bank charge is ridiculous and very unprofessional as well as *********. If I do not have funds in my account, my purchase will decline so please dont tell me about the 'available funds' option in my account. Standard bank created this feature and uses it on all accounts. Do not use tech to your advantage to scoop up money from customers. When the merchant goes and makes a late-payment, charge them a fee/ penalty and not us as customers. I am not the only customer of yours affected by this and I do not want to hear that there is nothing you can do. Example, the funds get deducted from my account to make a purchase of R1000 and then the merchant goes and makes a late payment. I get a bank charge (Honouring fee) of R1000. So in all I am paying R2000 for a transaction where money was deducted for payment and then again as a bank charge which is not my fault. Please sort this out immediately!!!!