> Later that day, you find out Icelandi completely refunded Thor, Bjork's little brother, for all the money he had lost, but every other child at school also lost all their money.
It's important to note that Icelandi didn't refund Thor out of her own (Icelandi's) own pocket. Instead, she took the money to reimburse Thor from what remained of the pool of money that Bjork had collected from everyone.
In effect, Thor was reimbursed in full at everyone else's expense.
If you look at a graph of Iceland's GDP, you can see a gently upwardly-curving trend from 1960 thru today, with a massive, abberrant spike sticking up from the trendline from 2004-2008. That's how Icelandi bought her shiny new car.