Clarity please

[shikamaru]

Shik, re-read pages 6 and 7 of this doc: Lawful Money

I think there may be a distinction between "lawful money" and "lawful money of the U.S." That distinction being who issues it. Both may be lawful (authorized by law) but one is issued by a private bank and the other by the Treasury. I don't know for sure, but it seems to fit. At any rate does adding "of the U.S." make it any less effective?

Bank credit becomes legal tender when mandated by a government to be accepted for payment of debt by creditors.
Legal tender laws are an obligation on creditors, not debtors.

Lawful money has a wider significance than legal tender according to Shoonra the Useful .