I'm sure this doesn't surprise you, but here's a quick version of 'defclass that uses a syntax similar to your first example and an implementation similar to your second example:
Nice, and you even changed it so x!deposit returns a function again! This does of course add some overhead since a closure is constructed every time you call a method, but still.
One thing I'm not quite happy with is that one has to write o!money. Would it somehow be possible to hide the o? Would it be possible to use !money or .money, or does the parser not allow that? And how to pass the hash table from the afn to the methods without polluting their namespaces? It could be done using a gensym, but then it is not possible to add methods to the method table outside defclass.