"When you receive cash and are asked to sign for it - that is likely what I meant. At stores, when I get a cash refund I just sign..."

I understand that.

But I don't see from your response that there is any contract or that what happened in 1933 created a contract or has anything to do with accepting private credit or that I became a Fed bank or that a fee for using this private credit is incorporated into the 1040 form.

Is there any simpler, more direct, more conclusive data or evidence available?