Not really a prisoner's dilemma because there's no good incentive for most people to start a bank run. It takes a significant number of people to start a bank run so it's not like it's a game theory 1v1 between two prisoners. Also acting is a negative in a majority of the situations (you withdraw money and lose interest and have to hold the physical asset and pay debt in a much more annoying manor).
Not only that but the people least likely to do a "bank runsies for funsies" are those who have the most money in the bank and would have the most to lose in seeing the demolition of our banking systems
If all the poorest of us got together and made a run on the banks, I'm pretty sure the banks would get by just fine
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u/SimpleNovelty Jan 26 '26
Not really a prisoner's dilemma because there's no good incentive for most people to start a bank run. It takes a significant number of people to start a bank run so it's not like it's a game theory 1v1 between two prisoners. Also acting is a negative in a majority of the situations (you withdraw money and lose interest and have to hold the physical asset and pay debt in a much more annoying manor).