Even if this was the correct amount of payment in silver. Would that even work as a means of payment?
Any company can take barter for their services if they wanted to.
They’d have to be pretty dumb to take a normal quarter as barter worth a whole mortgage instead of 0.25$ though.
Generally barter relies on the good being a similar value, whereas sovcit logic tries to force them to take terrible barter through the magical contract system america is beholden to, because obviously an all-encompassing contractual indentured servitude will have easy cheat codes to break out and get paid while you do.
They are hoping some employee of the lender pockets the coin that they offered for discharge of the debt, thereby accepting the “offer”.
I don’t think that’s the goal but if it is at least make it a $20 bill or something. 25 cents isn’t enough of a bribe to get seated at a restaurant more quickly, much less erase hundreds of thousands of dollars in debt.