Design Conjecture: Race To A Million

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This is a concept I call “Race to a Million”.  The goal is to earn a million dollars in the shortest time possible. Every financial decision that could be made in real life would be available in-game. Players would be free to explore financial strategies with zero risk involved. The idea behind this is that there would be a deep level of detail a player could learn. A player could micro-manage as much or as little as they want. Now obviously issues arise around this concept. Mankind a full-fledged open-world 3rd person video game about finances isn’t exactly in the scope of what banks provide. How would this even be played? On a console, or mobile app? Of course, there are lots of holes in this concept but I think it serves as an extreme example of what gamification in finance could look like. So what can I learn from this concept and apply it more practically?