are legal tender for all debts, public charges, taxes, and dues

There is no federal statute mandating that a private business, a person, or an organization must accept currency or coins as payment for goods or services

Goods or services ≠ debts, public charges, taxes, and dues.

A retail store, a restaurant etc. can refuse currency from a customer but a loan/lien holder, a public utility company, a government entity or an HOA must all accept any legal tender.

You’re confusing two separate situations.