Have you ever gotten the notice in the mail (or by email or text message) that your bank account is overdrawn? I have. It seems like that scenario would not be all that hard to avoid. It’s simple math: deposit more than you withdraw. How hard can it be?
I think the hard part, at least for me, is that you have to pay attention and keep records. You have to know how much you have deposited and how much you have withdrawn. You have to stop withdrawing until you have sufficient deposits.