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AFAIK, once the debits are dated 4th Jan, you only lose value for these debits from 4th Jan. The fact that they are visible on your account on 3rd Jan isn't significant - it just means that given today was a bank holiday, someone has loaded up the debits in advance - but you don't lose the money until tomorrow (I think).Today's date is Jan 3, and on my account there are 2 debits with a January 4 date.
I'm not certain that your interpretation of 'available balance' is correct. Are you certain that you would not be able to withdraw that money today, regardless of the scheduled payment for the 4th?rainyday, unfortunately the available balance has dropped too.
Now imagine I have a debit and a credit both scheduled for the 4st but they take the debit from the available balance on the 2nd. In that case despite me technical having money on the account I am unable to withdraw. Not that I do this short planing But in theory they cheat me out of available balance.
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