I completely agree with you - I'm a freelance artist with a fairly comfortable, but unpredictable and inconsistent, income, and this "cushion" has become more like a trap. I know a lot of my friends use their overdrafts like I do; to tide them over when payment is delayed for a big project, and rent is due and they need that cash immediately. But you CAN get into a spiral of just extending it that bit further, and then a little further... I'm set to get out of mine at the end of this month and start saving properly again, and I can't wait. It's important that we recognize that it IS like a bad relationship.
Start a hangout
Attended University of Oxford
"Hild" by Nicola Griffith. An absolutely astonishing fictionalised account of the early life of St Hilda, a 7th-century abbess, about whose childhood and adolescence we know (historically) nothing. Full of gritty detail; it makes the reader feel present, shockingly so, in a setting that's off-limits to most writers because it's so distant. She's done her research. Highly, enthusiastically recommended. You probably haven't read it because it was published just last year.