One reason banks charge a NSF is to discourage people from overdrawing their account, Many banks including USAA will normally reimburse the fee if asked (as a courtesy) for an isolated incident. In cases where there is consistent pattern of overdrawing the account attempts, they can and will close the account.
"Maybe my thinking is all jacked up but I still think its profit for misfortune."
Attempting to spend more than is in your account has more to do with responsibility than misfortune. Nobody is perfect and mistakes will happen sometimes, which is why they will courtesy reimburse an isolated case.
Thank you for taking the time to comment. I appreciate all the feedback on here from members, I hope it has answered your question in regards to NSF fees. If you do have any other questions, I would suggest you give our bank a call at: 1-800-531-8722, and they will be able to assist you. Thank you.