It’s a good idea 💡 for a specific situation.
But, I wonder how often such situation has occurred the past few years. I got the feelings this is a very rare situation. And even then there is the question if a user would liable. I know a similar case where a court in The Netherlands 🇳🇱 concluded that the user wasn’t negligent and therefore the bank was liable.
In my personal case, I use the full potential of having sub accounts. So on my main account for daily expenses there isn’t much money. Also because this account gets automatically filled weekly with a relative small amount.