There are plenty of cases where this defense is used. It's always treated like bullshit because it is. You don't get to decide how I settle my debts. If I owe

There are plenty of cases where this defense is used. It's always treated like bullshit because it is. You don't get to decide how I settle my debts. If I owe you $20, you don't get to confiscate whatever you want of mine of what you deem is of equal value.