"The Question to be considered is, Whether the Government have reason by a Law, to prohibit the taking more than 4 l. per cent Interest for Money lent, or to leave the Borrower and Lender to make their own Bargains"

This quote by Dudley North is referring to the argument over whether the federal government need to control the interest rate for cash provided. North is suggesting that the government ought to consider whether it is essential to pass a law that limits the rate of interest to 4% or if it must be delegated the borrower and lender to negotiate their own terms. North is implying that the government ought to weigh the pros and cons of both alternatives prior to making a decision. On one hand, a law restricting the interest rate might secure debtors from being benefited from by lending institutions. On the other hand, it could limit the ability of loan providers to earn a profit and might dissuade them from providing cash. Ultimately, North is recommending that the government should thoroughly consider the implications of either alternative before deciding.