I’m hoping you forgot the /s, but just in case you’re not from the US: no, it’s built into almost every financial institution’s terms and conditions, at least in my experience. I had to get my mother a pre-paid credit card because she would overdraft regularly, and the bank had no solution. The pre-paid just declines payment, like the good old days.
That’s my point–because they cut themselves off from the rest of the country electrically, it doesn’t matter what their status is: when that underfunded and unsupported network fails, people will die. It happens every time.
And, would disaster relief be much different? Maybe the asking as a sovereign nation would take longer and have to be approved by Congress (?), but I’ve never heard of a state or nation every paying back US aid. If this has happened, please educate me. Seriously.