Scott N Tara
THIS NOTE IS LEGAL TENDER = THIS NOTE is a TENDER for LAW (Legal)
BANK CURRENCY is NOT the money in your pocket. In fact, the BANK'S currency COMPETES with your money.
They are actually correct. They don't have to accept a tender for law, any more than YOU do. A BANK, is a PERSON under law. A PERSON has ONE UNALIENABLE RIGHT; The Right NOT to CONTRACT.
It would be hypocrisy, otherwise.