Unfortunately, so will be the debit card (til all the charges go through, at least). Then you get the wonderful luxury of paying multiple $35 overdraft fees on top of your bills, which is exactly what you need when you're hurting. Cash only is probably the best policy for these people.
Once in college I ran my bank account balance to zero and my debit card stopped working; all transactions were refused and thus I was spared any overdraft fees. Maybe some debit cards aren't as good, though.
