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Today, after already having a terrible day, I went to Starbucks for an espresso. Being nice, I put the last dollar I had in my wallet in their tip jar. While paying for my drink, my card was denied for insufficient funds. The world hates me. FML
Some things happen that are beyond control (e.g. natural disasters...) but not knowing that you don't even have 5 bucks in your account before you try to use your card is well within your control. It has nothing to do with chance or the world "hating you". It has everything to do with your laziness and lack of initiative to keep track of your personal finances.
Your card being declined is probably the best thing that could have happened to you. If you don't even have enough money for a cup of Starbucks coffee, then Starbucks is the last place you should be trying to buy coffee.
Speak your mind, but please try and be respectful.