That's between you and your bank. If they're having to stick it to you to make up for their bad decisions, find one that makes better decisions. You seem to think there should be a federal regulation and bureaucracy to fix every problem in your life.
You're the one who wants federal protections for gamblers so there are no consequences for their reckless and immature behavior.
Figures. You want the same safety net for drug users, too. Socialist.