Every interaction is a deposit or withdrawal.
Sometimes a major screwup can make it go negative, resulting in overdraft fees.
The key is to make so many small positive investments that when you goof up, you’re still positive.
Most people have bank account balances that are just above zero, easily wiped out when the unexpected happens.
Or they are so transactional, they are living paycheck to paycheck.
Are you constantly making investments to build up long term relationships, so that there’s no chance you will ever bounce checks with the people that matter to you?