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I believe it's a holdover that originated in the limits of technology in the past. Before the Internet or even dial-up card verification, purchases were made "on faith" if writing a check or paying with a card. The fees were there to prevent banking customers from abusing the pretendness of pretend pretend money. Without the discouragement, a person may go try to buy something at multiple places, and even if a vendor called the bank to verify funds were available, each time the bank would say, "oh yeah, funds are available," until all the paper came back to the bank.
That being said, it's the future, accounts can be verified and mathed upon instantly, and these fees have no place anymore, although I'm sure the banks will try and sell them as, "we're just trying to help out the poor by allowing them needed money when they might not yet have it available, for a small convenient fee."
Especially since the technology of today can mess up in such interesting ways....
My brother had enough to buy a fancy new laptop he had been saving up for, so he did, but the website goofed and accidentally processed the order TWICE... He canceled the second order and they refunded the money, but he still owed a fuckton in overdraft fees, and since the cancellation wasn't instaneous and his bank charges him an extra fee ontop of the overdraft fee for every day his account is in the negatives...
Yeah he was fucked for awhile
Always use Credit for online purchases kids, the charges are far FAR easier to dispute if there's a fuck up and it doesn't overdraft.