Must be funny, in a rich mans world...

Why is it that money problems all seem to bundle together and pounce on you at the exact same time, couldn't it be spread out a little? I went overdrawn by 4 pounds the otherday and fair enough it was my fault, but then I couldn't get in touch with the bank because of the snow and lack of people working there, so then they decide to take my overdraft off me without telling me, now instead of being £4 overdrawn I'm now £104 overdrawn, and have hundreds of pounds worth of charges for it, surely that's not my fault and I shouldn't have to pay it? If there is a god in any shape or form, now may be a good time to pop in and lend a hand, or some money.