The article and the comment you're responding to aren't even talking about the same thing, so it's futile to discuss the pros and cons.
The article is talking about serialized representations, i.e. how you store amounts in a database. The comment is talking about how to arrive at amounts as part of arithmetic calculations, e.g. determining interest, percentage fees etc.
The article is talking about serialized representations, i.e. how you store amounts in a database. The comment is talking about how to arrive at amounts as part of arithmetic calculations, e.g. determining interest, percentage fees etc.