Banks and Money

Since Miss Bee was born we have had issues staying employed. Both DH, and myself I just thank the powers that be that we weren't out of work at the same time. I would say that about two years ago was the last time that we were able to just spend money... it was at Disneyland the hotel we had reservations at didn't think that we really meant it when we said we needed the room to be wheelchair accessible... so they had no room for us, But we "fixed" the problem by staying at the Disneyland Hotel and it was Okay, not great, but Okay.
That was two years ago a month after that trip I lost my job and it took me eight months to find a Temp job... and then the day that I started my temp job, DH lost his job...
He found a new one a few months later and ever since we have been playing catch up! Well I am happy to say that we did finally catch up (insert happy dance here)
Well then the bank pulled a whammy on us!
They, the wonderful bank, put a hold on my payroll check! Now they have done it in the past and they just randomly do it I have called and moaned and complained, yelled and screamed EVEN stamped my foot (not that it did any good while I was on the phone.) SO since they put a hold on my payroll check we bounced checks... And are now $200 in the hole!!!! Sucks. I could cry! So when I called again this morning to see if they would reverse the bounced check fees they said we should always allow time for the deposit to clear until we try to draw off of the check and that they could and will put holds on checks that they think will bounce to them. It’s their policy... I think I am looking for a new bank... Okay probably not but I do want to sit down and cry for a long time... I guess we weren't as ahead as I thought. So I guess we will really be up to date Next month!
Why is it that Banks and Money hold so much power over you? Its like they have you by the balls and you can't make a move without permission. I am learning how to control the money not let the money control me... That’s not as easy as it sounds.