Comment by pas

pure or not eventually this comes down to durability, no?

and the way to do it is to either have some kind single-point-of-control (designated actor or single-threaded executor) or mark the data (ie. use some concurrency control primitive either wrapping the data or in some dedicated place where the executors check [like JVM's safepoints])

using consistent hashing these hypothetical accounts could be allocated to actors and then each transaction is managed by the actor of the source (ie. where the money is sent from, where the check needs to happen), with their own durable WAL, and periodically these are aggregated

(or course then the locking is hidden in the maintenance of the hashring as eating philosophers are added/removed)