Yes, I agree that their spiels usually make opting out not seem like an option lol.
But I do what to point out this:
Even after you do so though it still doesn’t stop some recurring payments or charges so your account can still end in the negative and you typically get a charge for that if its in the negative enough (usually more than 5-10 dollars)
If you have not agreed to overdraft protection, they legally cannot charge you a fee if you end up overdrafting from automatic payments or another tricky one is gas pumps where some only charge $1 to initiate the pumping then later hard post the full amount. Now, I’m am sure there are institutions that go against this law but I try to spread the word that Reg E doesn’t allow that practice.
Conversely, sleeping on your side isn’t very good for a lot of your joints. For instance in your diagram, that position is very bad for her hips and compressing her lungs. I still sleep on my side because it’s my preferred position but I have to have a knee pillow to keep my hips and knees aligned, and I try to have a pillow hugged to my chest to keep my spine and shoulders from crunching lol.