The credit would have to come from someone willing to loan out money.
And if necessary, the creditor needs to be able to pass the loan on to someone else instead of $1 (since the loan itself in theory represents $1) anyway.
Each round the debtor should randomly either pay a loan or pay a random person.
The longer a debtor goes without paying loans, the more it hurts their credit score.
Credit score can be used to determine the probability of any creditors extending a loan to someone. Everyone’s credit score starts at roughly 50%.
And if necessary, the creditor needs to be able to pass the loan on to someone else instead of $1 (since the loan itself in theory represents $1) anyway.
Each round the debtor should randomly either pay a loan or pay a random person.
The longer a debtor goes without paying loans, the more it hurts their credit score.
Credit score can be used to determine the probability of any creditors extending a loan to someone. Everyone’s credit score starts at roughly 50%.