Ballinger starts his discussion by complimenting both sides, suggesting that:
Subsequently, concerns regarding both approaches are laid out. For Positive Money, Ballinger asks:
The primary difference is that money could be created endogenously in a Positive Money system, if voters and the incumbent government chose to do so, by allowing banks to have overdrafts at the Bank of England. In contrast to the current monetary system, Positive Money proposals would give the Bank of England more flexibility, allowing it to choose when to slow down the rate of creation of new money directly, rather than trying to restrain the creation of money by the banks.