Once I bounced a check to our water company and they refused to take checks or credit cards from me for a YEAR as a punishment. It was a one-time accident after paying on time for around seven years. I literally had to drive my ass down there with cash. It's a small rural water service, not a big corporation - they chose to be complete assholes even after I explained the situation (we had a baby that month and forgot a monthly $ transfer in the chaos).

Same mistake probably cost us $120 in overdraft fees. Society financially punishes people who need money the most and rewards the people who have plenty. It's ridiculous.