Review generated member account

import java.util.List;

public class MemberAccount {
    public String id;
    public int credits;
    private final List<String> roles;

    public MemberAccount(String id, int credits, List<String> roles) {
        this.id = id;
        this.credits = credits;
        this.roles = roles;
    }

    public void debit(int amount) {
        credits -= amount;
    }

    public List<String> roles() {
        return roles;
    }

    @Override
    public boolean equals(Object value) { return value instanceof MemberAccount account && id.equals(account.id); }
}