It comes down to how much someone is able to steal when they try to change a counterfeit.
If I hand you a counterfeit $100 bill to pay for something that costs $5, I’m getting $95 back in real money. But if I give you five counterfeit $1 bills to pay for that same $5 item, I’m not getting any real money back. Or else it’s just pennies on the dollar.
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