Genesis once bubbled...
I went to South Florida on vacation with a handful of crisp, new $100s that I got directly from the teller window of the commercial bank where I did business at the time (in Chicago)
I made the "mistake" of trying to break one in a South Florida bank, as I was out of reasonably-sized bills and wanted to do a bit of shopping without flashing around $100s.
They claimed it was counterfeit, and ultimately seized it.
$100 bills look and feel good to me, but I carry travelers checks, a credit card, and a debit card - with your example being one of the reasons. In the states, when I need money, I stop by a grocery, buy something, and get debit cash back - easy, free, safe. Rooms, dives, etc go on the debit/credit card - which the operator at least thinks I have recourse if he screws me around. I keep $1 & $2 bills for tips, and I usually don't even use the T-checks, treating them as a safety reserve.
Breaking a $100 away from home would be too risky, for the BS reasons you illustrated and others.
Otherwise...
The original story to this thread
before wandering off - not highjacked is more likley to happen close to an international border or coast, with Washington state being both. There was a fear of Japs attacking there at one time (massive forts still exist there to defend against invasion!), now it's a high risk portal for terrorists, I'm sure.
don