

are legal tender for all debts, public charges, taxes, and dues
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
Goods or services ≠ debts, public charges, taxes, and dues.
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.
You’re confusing two separate situations.
Well, “America” originates from Italian explorer Amerigo Vespucci so, while United States is pretty blah, America has origins that go back 500 years.