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To make your monster a contender, you have to make sure that it gets the proper training, which drains the virtual bank account.
However if needed to, rule breakers can be punished with fines being payable through their virtual bank account, alternatively a players suspension may be put into effect.
In a salary cap game, the fantasy player acts as a virtual owner with a virtual bank account to draft players whose weekly game performance translates into points.
Virtual bank accounts can be used to collect extortion money: a blackmailer sets up a virtual bank account and has the money paid into it, and if access cannot be monitored, he cannot be held responsible or brought to account.