Evidence markers: [V] verified · [D] derived · [E] estimate with an explicit assumption · [H] unproven hypothesis A universal bank makes many decisions, and a few of them compete for the same resources, consume the same constraints, and change the state on which the others are made. When each one is resolved within its own area and against its own target, the bank can end up with decisions that are locally correct and jointly inconsistent [H]. This Perspective proposes a map