There’s a LOT of nonsense with Sovcits but you basically just need to understand a couple things. Sovcits basically believe that the government has some secret account with millions of dollars in it in your name and that there are some equally secret methods to access that money. So basically this “coupon” would try to pay for goods using that secret account, using a secret and convoluted process, and using magic legal jargon.
The bank just said, “Sorry, we don’t accept whatever this nonsense is. Plz send real money.”
I get what you’re saying but the forgetful customer is explicitly what they said they want, which is dumb any way you look at it. Many times you’re forced into signing up for subscription, or coerced under the guise of a free trial. Now this wouldn’t be as bad if they came back and were like, “hey we see you haven’t used our service in a while, do you still need it?” rather than just leeching money from the user. The system is designed to purposely allow the user to make these errors and that’s wrong any way you want to shape it.