I’ve always been able to decline overdraft when opening a bank account in person. Banks argue the fee is preferable to the embarassment of having the transaction declined, but with how often credit cards flag fraud the embarrassment when it happens is practically zero.

What’s wrong with IONOS? Their VPS prices are some of the best out there and reliability has never been an issue for me.

What do you even do in a situation like this? You can’t get to shelter in any reasonable amount of time and whether you’re in the unit or on the balcony you’re dead if your building is struck.