13. Lawful money redemption: A growing number of Americans believe they can simply redeem their income into "lawful money" - as allowed by The Federal Reserve Act - and therefore have no taxable income. This redeemed lawful money would thus be considered US notes in the form of FRNs, or, public money. As opposed to the private credit of the Federal Reserve whose use carries the excise tax more commonly known as the "federal income tax." As more people opt-out, this could be considered abusive to the bank and the fund, who rely on your money, as well as making the entire tax code of Title 26 ... wait. Hang on...