I think if you've played Monopoly you understand that once you get 10 one-dollar bills, you'd rather trade them in for a ten-dollar-bill. And once you get 10 ten-dollar bills, you'd rather trade them in for a hundred-dollar-bill. You're trying to minimize the number of bills you have to manage. It's easier to know how much money you have when you've reduced everything to use the largest bills possible too.
Now suppose the denominations were \$1, \$2, \$4, \$8, \$16. And there's a rule that says you can't have two of the same kind of bill -- e.g. you must trade your two eight-dollar dollar bills in for a sixteen-dollar-bill.
In this situation, if you have a dollar and the bank is going to pay you a dollar, then you intuitively know NOT to accept another one-dollar bill from the bank. Instead, you give your one-dollar bill to the bank and they give you back a two-dollar bill.
I think people understand the carry mechanism this way too. Imagine doing 3 + 1. If I have 3 dollars (one one-dollar bill and one two-dollar bill). And someone wants to pay me one dollar, I know that I can't accept a second one-dollar bill, so I must trade it in. I give away my one-dollar bill expecting a two-dollar bill, but I can't accept a second two-dollar bill. There's a beautiful moment where the banker has accepted my one-dollar bill and grabbed a two-dollar bill and is about to hand it to me but I look at my own wallet and refuse to accept the two-dollar bill because I already have one and instead, I hand my two-dollar-bill to the bank, which the banker exchanges for a four-dollar bill.
This moment where the banker hasn't finished giving you your change yet but is just holding a bill of some denomination in front of you for you to decide whether to accept or not is the carry mechanism.
Young children can do this hands-on to get a feel for it. You "pay" the child an amount of money by handing them a bunch of bills (being careful not to have two of any one kind of denomination yourself). Then the child begins checking to see if they have two of anything (if they are breaking the "rule" by accepting a second bill of the same kind.) When they hand you an n-dollar bill, you simply take it away and hand them a 2n-dollar bill instead. This can be done in any order. The child doesn't have to start with their lowest denomination. The child is playing a match game - looking to see if the person paying them is offering them a bill of the same type as something they already have. If they do, they just hand it over and are then offered the next bigger denomination of bill in return.
The child can play as the banker too. They will learn that they will be handed a bill of the same denomination as something they were offered, at which time they must return the two bills to their supply of bills and exchange them for one bill of the next higher denomination.
The analog you are looking for is a person. The person is intuitively alerted to the situation that they are about to have too many of a certain denomination of bill and takes action to resolve it.