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The best parental models who encourage altruism are
Deposit Insurance
A government guarantee to depositors in banks and other financial institutions, ensuring the safety of their deposits up to a certain limit, in case the institution fails.
FDIC
Federal Deposit Insurance Corporation; a U.S. government agency that insures deposits at banks and thrift institutions, providing financial stability and protecting depositors.
Call Bonds
Bonds that can be redeemed by the issuer before their maturity date, typically at a premium, giving issuers flexibility in refinancing opportunities.
Market Interest Rates
The prevailing rate of interest available in the marketplace on loans and deposits, influenced by factors such as supply and demand, government policy, and economic conditions.
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