"the focus should be on title..."
RThomas,
I agree with your most recent statement that "This one has never denied the importance of proper special endorsement. This one sees from ‘their’ law dictionaries, from past to present, that the focus should be on title (i.e. ‘Not a gift’) and not a simple demand for ‘lawful money’..." and ask if that focus on title is to be directed at legal title, equitable title, or perfect title, and about what, and why?
For example, if we, as people, do not have perfect title to our own labor, how can we legitimately demand legal title (via special deposit) and lawful money for the funds on the payroll check transferred to a bank?
Doug