To combat this my bank doesn't allow me to withdraw above what is in my bank account, no matter how big the check is. Like I can see the check money in there but it usually has a note that only a certain amount is usable until the check clears.
I did this by accident once when using mobile deposit of a check and missing the decimal point while typing in the amount. I was not dumb enough to think it was free money and spend it. The bank fixed it two days later.