I like how you think.

Your premises would mean that the tax refunds of withholdings are a fluke or mistake and that the IRS will be coming back for those funds later. At least that is what I get at a glance. I just started a thread that furthermore validates that people get permanent contemplated Refunds for redeeming lawful money.

I do not see much difference between being a state bank and being treated in naked contract (uninformed, conditioned endorsement) like a state bank. You still have to pay for the benefits granted to state banks.