Apparently you have not read the thread down this far...it is explained. Kindly scroll up.
Just because I am not buying into your statements does not indicate that I started reading in the middle of the post.
Why am I not buying into your logic? It is because you are wrong and don't have a clue as to what you are talking about. I know for a fact..get it?...A FACT! that you can't refuse payment of a debt by any legal tender in the State of Indiana without forfeiting the debt.