Let's say that you want to create a model of a bank account in your application. You could create a class BankAccount that does what a typical bank account does. But if you're asked what the responsability of the class is, what's the answer? 'Behaving like a bank account?' That's not very concrete. I'm a bit confused on the relationship between modeling and responsibility. Many 'real world'-objects don't seem to have a clear responsibility.
What's the best way to start modeling such concepts and keep well-defined responsibilities?