Second sentence in the article: “Under the proposal, banks could continue to charge fees when a customer’s account falls below zero…” – that’s what it is. Back in the day, if you wrote a check for more than you have in your account, the bank would not only bounce the check (refuse to pay so the check holder wouldn’t get your money at all), they’d charge a fee on top of that so your balance would go even lower (sometimes below zero).
Most of those millions of apps are crap that hasn’t been updated in years, and they don’t have millions of users (not the kind of users who would by a Vision Pro at launch, anyway). I haven’t read the list but I’m betting the 150 that are here are much more popular and useful for this platform – the kinds of apps that would actively benefit from this technology and that the users actually want and will use.