I live in ex-USSR Central Asia and there is no such a thing as return, but many stores allow you to take an item and echange for different size if does not fit.
Ahahahaha, 19th century banks had tiny circulation of their own Mickey Mouse notes, compare to global reach of the dollar. Now who would police the banks, lol who would arbitrary decline the notes in case of low liquidity?
LOL, most liberatrains are not even aware how deeply they depend on the "nanny". Starting with law enforcement and capturing those who counterfeit money.