I do pay my bank fees and far too many for the privilege of them using my money while in transit.
In my county, writing a bad check over $300 is a 4th class felony, prosecutable by the County DA. When I worked for a major tire company retail store, we used this many times to "motivate" people to make good on the bad paper they wrote.
Under $300 is a misdemeanor but still prosecutable by the D.A.
I do not pay bank fees for someone commiting a crime.