With which one suffers a lack of balance (9)

I believe the answer is:

overdraft

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'balance' is the definition.
(I have seen 'Red balance ' mean 'overdraft' so perhaps 'balance' could also mean 'overdraft')

I don't understand the rest of the clue.

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(Other definitions for overdraft that I've seen before include "Red balance" , "financial licence" , "money that must be repaid" , "Bank borrowing" , "Excess withdrawal from bank" .)

I've seen this clue in The Guardian, The Globe and Mail and The Irish News.

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