Look I think that is the whole difficulty. In reality, doing the wrong thing results in pain, and the right thing in relief/pleasure. A living thing will learn from that.
But machines can experience neither pain nor pleasure.
But here is the thing. HN needs to keep the participants comfortable and keep the discussion going. Same with the world at large, hence the global "toxic positivity culture"...
Not sure how it will work when the person borrowing is different from the one who made the original 100k deposit. I mean, the the person who has borrowed 90K is in no obligation to repay the loan when the first person wants to withdraw their 100K deposit.
I didn't want to get into fractional reserve banking & reserve requirements, I just wanted to share what I learned about money creation. But to answer your question... it's called a bank run! When a bank (in the USA) doesn't have enough money to cover withdrawals, the bank fails & the government shuts it down.
Yes, it's lots of fun. rust is Boring.
If I want to implement something and have fun doing it, I ll always do it in C.
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