What I've seen with IRS notices of deficiency often the invitation is to protest or dispute. They will give 90 days , some papers to sign and a 800 number to call. Often one can simply file the corrected 1040s if the deficiency is due to an automatic assessment made after years of not filing. As for 'unlocking the Trust Account" the Social Security Account is ..right ..there.. in Maryland.
Re private..hypothecation..etc. It might be that private banking was outlawed in the federal States long ago and the SSN and the BC were the alternate remedy. That is, private banking wasn't outlawed on the federal level (ala Federal Reserve Bank, SSA). Maybe that is why some banks make a point of flying US flag without a State flag?
Also re: credit vs money. Perhaps credit is the 'evidence of money'--as in the result of an accounting procedure done when money is deposited.
Very nice work btw.