Hells Fargo

How is it that when you put a check into your bank account it takes about 4 days to process but when you make a purchase with that same bank account a day or two later that shit is on there Immediately? Two overdraft fees just sucked half of my hard earned pay check and it wasn't even technically an overdraft since I had the fucking money.
How is it that life tends to work in the same way? When you take one step forward, it is a long, drawn out process that doesn't even seem that gratifying in the long run, but when you slip up or make a mistake, or something bad happens to you outside of your control it is a swift, ruthless kick to the groin that effects you immediately.
How is it that bad things suck way more then how awesome good things are? For example, let us say that getting a paycheck is worth 140 points in the positive direction. But then, getting an overdraft fee that is worth about half of that paycheck is 140 points in the negative direction. In mathematical jargon the equation would look like this.

1/2 sucky thing > awesome thing
or
-140 > 140

What the hell universe do we live in where negative amounts are greater then positive amounts?