Why can users CREATE transactions if sending node is NSF? Why do they not CANCEL?

Transactions can be created as long as the user is verified. Transactions remain inCREATED  until ourNEXT  process begins, which attempts to progress the transaction into its next processing stages as long as all parameters are met. In this case the only real parameter we are looking for is a sufficient balance. Transactions will remain in theCREATED  state up to 7 days querying the balance of the sending node until enough funding is available to process the transaction and advance it to thePROCESSING-DEBIT  stage. If those 7 days elapse and no funding has been provided, the transaction will cancel due to non-funding of transfer. At any point in theCREATEDstate the transaction can be cancelled by the user, Synapse, or the banking platform.