They're halting database traffic for 15-30 minutes. I'm confused how this won't mean they have downtime? The application can queue transactions but how is the application handling reads after those queued trsnactions and what if 2 queued transactions conflict?
And how can you at a bank run a transaction if you don't know if there is money or not in the account ???
2) Overdraft. Take the money, putting the account below zero, and fine the customer for letting their account go below zero.