I think my account has been on 'hold' for quite a while!?
It is a great analogy though - and I agree too many people end up in the 'overdraft' situation!
It is true too, that you really do need to learn from your mistakes, and I think that in some situations, having your account on hold for a bit of time is not a bad thing? As long as someday you are ready to open it back up again?