Typically what happens when you get an account statement is you do what is called a novation; (The substitution of a new contract for an old one. The new agreement extinguishes the rights and obligations that were in effect under the old agreement.)
A novation ordinarily arises when a it goes from an obligation to being an obligation of the United States and you do that by virtue of sending them federal reserve notes which are United States obligations. Correct your status don not listen to novice https://youtu.be/SYf-9gArdNs
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