What is capitalism explained with bananas

Monkey is hungry. Sees banana stand. Banana costs two coins, but Monkey has two coins. Monkey has one coin and the dignity of someone who just came in a sock. Monkey at the stand sees opportunity. I give you banana now, you pay me three coins tomorrow. Hungry monkey accepts. Eats banana, owes three coins. Monkey just discovered credit and why his parents cried looking at bills while he was locked in the bathroom for 45 minutes. That's called capitalism. Monkey seller scratches his head. Lonely neuron makes a connection. He can earn more coins by lending than by selling. Opens banana bank. Lends coins to other monkeys. In exchange for more coins later, like Tinder, but for money and more addictive. Worker monkey has an idea, goes to the bank, asks for 100 coins loan to set up a banana stand. Banker monkey looks at him like a father looking at his son's report card, with hope, but no expectations. Lends him the coins. Worker monkey buys bananas for one coin. Sells them for two coins, earns one coin per banana. Feels like Jeff Bananezos of bananas. Updates WhatsApp status: "Entrepreneurial Joker." First day, sells 10 bananas, earns 10 coins. Second day, competition appears. Rival monkey sets up a stand next door. Sells bananas for one point five coins. Worker monkey lowers price to 1.4. Rival monkey lowers to 1.3. Price war like an argument over who pays for dinner on a first date. It starts polite and ends with both of them calculating the last cent of the bread.