If you cannot go into the bank and receive gold and/or silver coin on demand at face value in exchange for your Federal Reserve Notes then you cannot by definition redeem them in lawful money. The concept is not that difficult to understand. The Treasury and the Federal Reserve have clearly defaulted on their legal obligation to redeem said notes in lawful money, i.e. gold and silver coin on demand. Your signing of the back of a check with that statement means squat, I am sorry to be the one to have to break it to you but you have been misinformed.