I overdrew my debit card for the first time ever, the same week that I lost it, along with my wallet, on my way to my fiance's Christmas party. While it was bad karma to lose my wallet, and all of my ID, I'm sure whoever found it thought they hit the jackpot after seeing my Republican National Committee ID. Not all Republicans are rich, even in NY. They will be as sorely dissapointed as I was about the loss of my ID.
I CALL THAT PLASTIC KARMA
PS: I see the bright side; that I had no money in the wallet when I lost it, and that the card was useless to anyone who found it. I was able to correct both my arrears and get a new card at the same time, and the nice lady at the bank suggested a passport as a back-up ID.
NEXT: Reclaiming my ID before a potential ID theft! (Another bad move by the scammers, if they try)
UPDATE: Found my wallet at the bottom of my closet! Take that, imagined ID thieves!