Artwork Containing the Image of Money

I fuilly grasp why Photoshop is worried about allowing artwork to contain the images of money, and the need to thwart counterfeiting efforts, but at least for US money, there are clear guidelines about what an artist can and cannot do.  I can't understand why artists who are following these guidelines are still thwarted from doing creative work in Photoshop.

I get that Photoshop ought to prohibit printing of files in a size that is the same as money or anythig close to that. But when a document is sized WITHIN US requirements for larger than real size, that ought to be permitted.