Originally Posted by
BLBereans
You are welcome.
That is how I view it as well. The over-complication comes from anything more than forming an accurate record of the demand of lawful money.
If someone believes he/she can redeem something he/she did not issue in the first place, that is where complication may ensue. At the very least, it demonstrates a lack of understanding regarding who is authorized and or required to do what relating to 12USC411. This may prove to be the difference between being left alone and having to defend against false assumptions of liability to the point of interference of access to one's funds.
Glad that you see this as well.