Individuals/firms transact with one another in the economy. Individuals apply for bridge loans if their assets fall below a specified levels. Banks lend money to individuals at variable rates depending on the individuals credit rating and need.
It's a fractional reserve banking model where increasing or decreasing the reserve requirements and credit requirements by bank lending agents affect the total amount of money available in the economy.
Optional additional behavior:
- Share the wealth: Every step assets in the bank gain interest - every dividend_interval it's distributed to everyone with savings in the bank.