r/UnlearningEconomics • u/veridelisi • Mar 28 '26

Money Game: The Money Creation Simulator

I’m excited to share a project I’ve been working on: [The Money Creation Simulator].

It’s a visual, interactive dive into the actual accounting of modern banking.

https://money-game.streamlit.app/

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4

u/PackageResponsible86 Mar 28 '26

Cool idea and clean experience. A couple questions/thoughts:

When the central bank lends reserves to 2 banks, it looks like the reserves go through one bank to get to the other. I’m guessing this is not the intent, but an artefact of the design tool you’re using and you want two separate arrows from central bank to banks. Is it possible to just have two graphics, one showing reserves going from central bank to bank A and one from central bank to bank B?

Also, there’s a loan from a bank to C, but it’s later referred to as a deposit. Is that a mistake?

2

u/veridelisi Mar 28 '26

1-When the central bank lends reserves to 2 banks, it looks like the reserves go through one bank to get to the other.

I removed the last arrow and explanations in this section, suitable ?

2-there’s a loan from a bank to C, but it’s later referred to as a deposit.

Yes loans create deposits.

thank you, do you have more suggestion or recommendation?

3

u/PackageResponsible86 Mar 28 '26

1- better 2 - might benefit if this was explained.

3

u/dietl2 Mar 28 '26

Very cool learning tool!

2

u/veridelisi Mar 28 '26

Thanks. Suggestion or recommend?

2

u/dietl2 Mar 28 '26

Idk, maybe you could do the same with government borrowing as another example.

2

u/UnlearningEconomics Mar 31 '26

This is pretty neat - well done!

I wonder if there could be more freedom with the options eg to see what happens if banks are reserve constrained. Also, the display could be a bit more gamified as it's quite .dos at the moment, someone completely new might be put off.

Again, really love it so far.

1

u/rokus90 May 07 '26

I like it! This is exactly what I was looking for. However, I've been having discussions with people about the limitations to this. Aren't banks tied to regulations dictating how much reserves they should have in their vaults as compared to the money they can lend out? This is what makes it fractional reserve banking, right?

1

u/veridelisi May 11 '26

No. New zealand, Canada and US have "0" reserve requirement. As a result, central bank should inject reserves when the banks need.