A society accepting that only the state gets to make money, and everyone has to use it, is the problem. There are no answers within “the law” until this mindset changes. Until then, you are just going to have to accept that you will be operating in a gray market, and the state can get you if they want.
Discussion
*private banks
The state borrows from them and, as a result, is subordinate to them.
Give me control over a nation's currency and all that...