Yes, that's the central irony of it all, I'm glad you pointed this out David.
This is more evidence that logic and reason have no place in the beast power structure.
At the same bank where the manager told me that 12 USC 411 has nothing to do with banking, a teller told me that an SSN is not at all a TIN and does not serve the same function, even though the bank document which I was filling out, over which we were having this conversation, stated above the box in question: "enter Social Security number (TIN) here".
This is the reality we have to live with.
This is why I closed my last bank account.
I like logic and reason, and this illogical and un-reasonable banking system is repugnant to my way of thinking, besides being in transgression of Yehovah Elohim's Law of Liberty.