What AC here is complaining about is that he likens one of the horrible characters in the commercial and feels offended and thus obliged to go onto YouTube and downvote it, unlike all the millions of decent human beings that like the commercial that don't give a damn about the vote-count on it. It was a good commercial, if a bit late to the game.
You do know that the flu vaccine is efficient, right? It's just not efficient against all three strands of the flu and they try to guess which one will be the dominant one each year. Sometimes they get it right, sometimes not, but at least there's a chance of protection.
I don't know how it is where you live, but here, imprints can't fail no matter the amount on the account it tries to draw from. It's one of the fail-safes of doing business that way since it's not an immediate draw. It's on the buyer to keep enough cash on the account to not go over limit.
It's only tight because those that hold the money doesn't have to think about this when it's only a "what if" scenario. Hopefully they now know it's a necessary investment.
You let him play on your account, therefore you took responsibility for his actions. Don't let other people use your account, that's reckless and stupid.