Ex-European here. It is very common to overdraft your bank account in Europe. The overdraft interest fees are very similar to the credit cards here in the US. It is basically the same service but with a different execution.
Standard Notes is in the same position as Simplenote was 10 years ago. Automattic acquired Simplenote but never really did anything with it. Standard Notes was acquired by Proton last year and development has slowed to bug fixes only. I would be wary to migrate to Standard Notes.
I got 28 online right now according to my Eero. 3 people, with smartphones and laptops. Several game consoles, a few Apple TVs and music streaming devices, Ring camera, Zwave Hub, printer, washing machine, garage opener, Ring doorbell and an assortment of Echo dots.
I used to live in NJ and they sent these types of alerts all the time. AMBER alerts in the middle of the night, "Flash Flood" alerts after two drops of rain. It made no sense and I turned them all of off.
I live in IL now and I turned them back on because tornados are actually a thing here but also I haven't received any other irrelevant alert.
I had a robin nest in my backyard close to my French doors. Every day one of them would pass by the doors, see their reflection and then attack it. Apparently they like to keep out competitors when they're nesting. They would at it for hours until I obscured the lower half with some potted plants.