As one of our Core Group members recently pointed out, there are ways in which time banking is similar to the monetary economy and ways in which it is very different. It is similar in that both the monetary economy and time banking need a constant flow of exchanges to be healthy. It is different because no one cares if you are in debt! It really doesn't matter whether your time bank account has a positive or negative balance at any given time. As long as we all keep having transactions with other time bank members, it's all good.