Here is the part I like: "Indeed, the inherent problem with Gesell’s system is the existence, in modern economies, of different means of payment. In Gesell’s system, only one sort of means of payment exists (stamped notes) since deposits cannot be used as bank money. Yet neither in Gesell’s times nor today is this assumption realistic. If bank money does exist, it can replace the stamped notes, not only as a store of wealth, but also as a means of payment, since bank money is not saddled with carrying costs."