1. The document contrasts different systems for creating and allocating money: debt-based money created by commercial banks through lending (the current system), finite cryptocurrencies like Bitcoin, and Positive Money where new money is created by a central authority and granted rather than lent into existence. 2. Under Positive Money, an expert committee would track GDP and recommend how much new money is needed to match economic growth, which would be created by the central bank and allocated by government for purposes like reducing taxes or debt. 3. Commercial banks would still exist but could no longer create new money through lending, addressing issues like bubbles and ensuring benefits of money creation accrue to society rather than banks.