The last part of that quote from USA v. Luther THOMAS is interesting. See the distinction FRNS are not Money. So then 12USC411 makes it clear they can be Redeemed ON DEMAND in Lawful MONEY. So the operation of Law requires a CHOICE.
Balaam cannot curse you. You can submit to Tribute or you can choose to make a Demand. In you lies the Redemption of the Debt. Has to be because as an operation of law the Redemption requires a Demand be it Oral or Expressly written. If I was engaged in banking I would prefer the latter, then there are no presumptions to overcome. However, the Right to issue FRNS is in the Federal Reserve Board by way of Contract with the Congress; the Obligation for said Notes lies within the United States by formal agreement codified at Title 12 USC 411. Or if you desire the Congressional Record which is THE UNITED STATES OF AMERICA in Congress Assembled - Reference the Federal Reserve Act.