the pick one a bank in the too complex conditions

chain_condition_bank.php

<?php


class User
{
}

interface BankWithdraw
{
    public function withdraw(User $user): array;
}

abstract class DecideBank
{
    protected ?self $bank;

    protected ?self $defaultBank;

    public function default(self $defaultBank): self
    {
        $this->defaultBank = $defaultBank;
        return $this;
    }

    public function append(self $bank): self
    {
        return $this->bank = $bank;
    }

    protected function noDecide(): ?self
    {
        return $this->bank?->logic();
    }

    abstract public function logic(): mixed;

    abstract public function getBankAccount(): BankWithdraw;
}


class GuessBank extends DecideBank
{
    public function logic(): mixed
    {
        return $this->bank?->logic() ?: $this->defaultBank;
    }

    public function getBankAccount(): BankWithdraw
    {
        return new class implements BankWithdraw {
            public function withdraw(User $user): array
            {
                return [
                    'class'=>__CLASS__,
                ];
            }
        };
    }
}


class Akbank extends DecideBank
{

    public function logic(): mixed
    {
        return $this->noDecide();
    }

    public function getBankAccount(): BankWithdraw
    {
        return new class implements BankWithdraw {
            public function withdraw(User $user): array
            {
                return [
                    'class'=>__CLASS__,
                ];
            }
        };
    }
}

class Garanti extends DecideBank
{

    public function logic(): mixed
    {
        return $this->noDecide();
    }

    public function getBankAccount(): BankWithdraw
    {
        return new class implements BankWithdraw {
            public function withdraw(User $user): array
            {
                return [
                    'class'=>__CLASS__,
                ];
            }
        };
    }
}

class Masaka extends DecideBank
{
    public function logic(): mixed
    {
        return $this;
    }

    public function getBankAccount(): BankWithdraw
    {
        return new class implements BankWithdraw {
            public function withdraw(User $user): array
            {
                return [
                    'class' => __CLASS__
                ];
            }
        };
    }
}


class YapiKredi extends DecideBank
{
    public function logic(): mixed
    {
        return $this->noDecide();
    }

    public function getBankAccount(): BankWithdraw
    {
        return new class implements BankWithdraw {
            public function withdraw(User $user): array
            {
                return [
                    'class'=>__CLASS__,
                ];
            }
        };
    }
}

function get_bank(): BankWithdraw
{
    $guessBank = new GuessBank();
    $guessBank
        ->default(new Akbank())
        ->append(new Garanti())
        ->append(new Masaka())
        ->append(new YapiKredi());

    return $guessBank->logic()->getBankAccount();
}

$withDrawResponse=get_bank()->withdraw(new User());

print_r($withDrawResponse);