One is bound to the Law Merchant not simply by using the "money" per se. Adhesion contracts subject persons to the 14th Amendment as bankrupt corporate / commercial entities in legal incapacity. Such persons are "subject" (feudal law term used in the 14th Amendment) to the private, colorable Law Merchant for its private bankruptcy, revenue, forfeiture, admiralty / maritime, general equity courts to confiscate property in rem.
By becoming party to Government adhesion contracts such as marriage licenses, and chattel / pedigree papers called "birth certificates," people volunteered to change their standing as sovereigns with unalienable rights to commercial feudal slaves / serfs with no rights and only government-granted privileges. As Pitt said: "Necessity is the plea for every infringement of human freedom. It is the argument of tyrants, it is the creed of slaves."