Earlier in the week, Lucy and her mom had gone to the bank to get Lucy set up with a checking account. Lucy’s mom came with her because this particular bank requires a parent to cosign on an account when the customer is under 18. While jointly filling out the checking account application, Lucy and her mom chose not to have overdraft protection on Lucy’s checking account. What is your opinion about this decision? What factors would have to change for you to have a different opinion about choosing overdraft protection on a checking account?