Re-read my comment. You’re saying the same thing I did. Did you think I replied to you and not the other user?

Here’s what I said:

A retail store, a restaurant etc. can refuse currency from a customer but a loan/lien holder, a public utility company, a government entity or an HOA must all accept any legal tender.

Which is the same as:

If it’s before the point of sale, they can refuse any form of payment. If you’ve already accrued the debt, they can’t refuse it.

The user I replied to who was responding to you said:

There is no federal statute mandating that a private business, a person, or an organization must accept currency or coins as payment for goods or services.

I told them they were confusing two separate issues.