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Doesn't apply. Reread that. It says States cannot make anything but gold and silver coinage as payments for debts, etc, etc.. this isn't a statement that applies to either individuals nor federal government. Because States do not mint their own currency, this is somewhat of a moot point. IF, however, a State wanted to pay debt outside federal currency, they are Constitutionally authorized to create a gold or silver coin to pay that debt. This does not say that Federal currency is not valid if not gold or silver, nor does it say that an individual doesn't have to pay with currency other than gold or silver.

..and just a little other point of contention, the States can use the gold and silver coin to pay its debt, however, that cannot be used as 'money' per the previous sentence: Section 10. No state shall enter into any treaty, alliance, or confederation; grant letters of marque and reprisal; coin money;..