Marshall Stanton
I'm saying we disagree on what reality is, each based on our experience and understanding of the evidence or lack thereof for that particular view. "The world is flat" appears to be a reasonable argument if you can't see the curvature of the earth. "God isn't real" appears to be a reasonable argument if you limit your definition of God to what CERTAIN theists believe.
Getting back on topic, lacking power to enforce, I'd agree with, but mostly because they aren't playing by the rules. However, I don't agree that their terms are clearly displayed, or else I do not understand how you have reached that conclusion. Show me where it says that mere use of FRNs makes me surety for them. It's not my name on the note. I'm not the one who signed it.