The Certificate of Live Birth is a Pledge Document

[allodial]

But yet the SSA has a routing number and is a member of the Federal Reserve Bank. Consider also the alleged 3 year limit on refunds, the law of escheats, federal/State/DC law on unclaimed property and societal asset pooling. Perhaps the accounts remain at zero balance until there is activity?

Where is that law that made contracting with a minor legal?

Perhaps its to do with a kind of "ratification" that might result from continuing with "the Game" past the age of infancy (21 years) that might be worth considering? That is, if John Henry reaches attains twenty one years of age and continues holding himself out as accommodation party for JOHN HENRY DOE... well likely you get the idea.