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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.
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