People naturally don’t want to think they are the problem. So, they blame society which leads to blaming women which leads to misogyny which leads to the dark side.

People who label themselves as incels are somewhat accepting that the factors that lead them to be incels are unchangeable ( physical characteristics, limiting standards, social deficiencies, bad luck). So they have taken the steps to the dark side. And vocal incels are more often well on that path.

This might be one of the unintended side effects of the law. If you have a low balance account or a ‘bad’ credit rating. Banks might simply stop offering debit cards that work on credit card stations.

This probably won’t happen unless overdraft fees are underwriting the risk of unpaid overdrafts. I’m not sure how many people just cancel or abandon accounts that go negative. I’d guess that it’s low but only banks would have the actual numbers.