On: Etsy sellers say their bank accounts were emptied ...

[mschuster91]

In Germany, we have special automated loans ("Dispokredit") for this situation. These are expensive (14% p.a.!), but as they are meant to be used only in emergencies and for a short time only, such a situation as here would not incur fees above 1€, as the interest is most often calculated daily.

[astura → mschuster91]

Some banks in the US have this, some charge a fee to use it. It's a niche product though.