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Only banks can convert your promissory note into Federal Reserve Notes (FRNs), which are considered government-backed currency. When asked why I don’t accept promissory notes for eBooks or services, the answer is that I am not a bank. Banks have the authority to monetize and securitize your signature under the Federal Reserve banking system, creating money from the value of your credit. They transform your credit signature into FRNs, which are essentially debt instruments. Therefore, payments must be made in FRNs, as they are the recognized currency in today's economy. I process these fiat dollars as lawful money that can settle debts, rather than merely as negotiable instruments.
