If you click add to cart, then purchase, but you only have $5 in your bank account, then your bank account will be overdrawn $999,995 and congratulations, you're the broke-ass new owner of a million dollar domain, now you better pick up some side hustles to dig yourself out of crippling debt.
Every time I hear about banks allowing overdraws, it's from Americans. If true, then it's yet another thing that America do to fuck it's citizens and that the rest of the world has already figured it out.