So I did some more research and I think you're actually incorrect here about orgnanizations restricting cash from being used to pay off a debt (as opposed to purchasing goods/services), which is what I've been talking about all along. From the Federal Reserve:

> This statute means that all United States money as identified above is a valid and legal offer of payment for debts when tendered to a creditor. There is, however, no Federal statute mandating that a private business, a person, or an organization must accept currency or coins as payment for goods or services. [1]

In other words, yes, organizations can accept chickens or barter. But if you have a debt and you only want to pay cash, and they refuse it, then there's nothing they can do to compel you to pay in a different form.

So again -- you're right there's no law against prohibiting cash payment for debt, but if a business can't collect otherwise, then for business purposes it's effectively a prohibition regardless. (Only difference being that a company can't be fined/punished for it, they just lose the value of the debt.)

[1] https://www.federalreserve.gov/faqs/currency_12772.htm