It is cool to make those simulations. The mechanics explained deviate significantly from any central bank I know. In particular, the negative interest rate of

It is cool to make those simulations. The mechanics explained deviate significantly from any central bank I know. In particular, the negative interest rate of SimCB does something very different from, almost the opposite of, what the ECB does (along with many other central banks). What they have is a negative interest rate on the deposit facility rate, which means that overnight deposits on a class of central bank accounts will incur a loss for the commercial bank of, say 0.5% yearly, which incentivizes instead investing those funds. cf. https://www.ecb.europa.eu/ecb/educational/explainers/tell-me/html/what-is-the-deposit-facility-rate.en.html https://www.ecb.europa.eu/ecb/educational/explainers/tell-me... In SimCB, a negative interest rate makes everyone incentivized to take on a loan, as they will get free money at the expense of everyone else as long as they reimburse the principal, which is even easier when they don’t invest the money in orchards.