OK, so if I’m understanding

OK, so if I'm understanding this correctly, Positive Money is misleading because any money "created out of thin air" needs to be accounted for the moment it leaves the bank. I.e. I may be able to borrow £100 but the moment I withdraw it in cash the bank needs to be able to account for that money on its books, either through deposits or through its own borrowing. Is that right?In other words it's no different to my using a charge card. In a sense I created that "out of thin air" whenever I use it but I have to make sure that the money is there when the bill is due, either by borrowing or through wages.