Proposed Solution: Use a datum for the accounts and account actions, create a savefile for individual accounts.
accOwner // Instant access to account
accCash = 0
accOwner = M
accBank = bank
accNum = randomlyGenerated()
accPass = randomlyGenerated()
addCash() // Also update the cash display
// of the owner of the account
var/savefile/F = new/savefile("[accBank]/[accNum].sav")
F << src
Then allow access to the account if you have the account number and password.
var/savefile/F = new/savefile("[bank]/[accNum].sav")
var/Account/a = null
F >> a
So yeah, just wondering if this is the best direction to go in for something like this. Perhaps I should be keeping track of which account the user is currently accessing?
I've been out of the programming game for a while and it's taking some time to get my bearings, so I appreciate the input.