[Keith in Iowa]

But it is still my contention that when money is *owed* - cash in any legal tender form should be acceptable.

Your contention is clearly wrong. The creditor decides in what form they will accept payments, be it check, cash - as in currency and reasonable coinage, or electronic fund transfers- the debtor does not dictate those terms.

[Freedom4US]

"The creditor decides in what form they will accept payments.."

How is my yearly car registration and plates remotely related to the extension of credit?