Balance:

Each of 98 Townspeople: $50

The Merchant: $1050

The Farmer: -$950

So, the 98 towns people and the merchant all wants to withdraw.

???

Now you have a riot outside of a bank.

Congrats, you destroyed a Town with #Banking 🫠

Or alternatively.

The Banker just gaslight the town to mob-lynch the Farmer the good ol’ capitalism way.