Being the bank in Monopoly is a small test of what you’d do with a real one.

Fake money with no consequences strips the situation down to you and the opportunity. Nothing is genuinely at stake and no punishment is coming, so whatever you do arrives purely from the inside. A game can reveal more than a serious situation, where good behaviour might only be caution wearing a costume.

Next time you are holding something nobody is auditing, listen for the thought that says this does not count. It does not count, and you are still the one doing it. Play it straight and the question stops needing to be asked.