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Only banks can convert your promissory note into Federal Reserve Notes (FRN), which are recognized as government-backed currency. I do not accept promissory notes for my products because I am not a bank; only banks can monetize and securitize your signature under Federal Reserve rules. They create money from your cash value by turning your credit signature and the alleged loan amount into FRNs, which are debt instruments. Hence, payments must be made in FRN dollars, as these are perceived as money in today's economy. I transform these fiat dollars into lawful money, which can actually settle debts instead of merely existing as currency.