I recognise the problem and try to be as straightforward as possible when responding to newbie queries. I try to think back to when I was the newbie and how daft some of my questions must have seemed to the old and bold here! It is easy, when you know a lot about a subject, to be patronising to the less well informed, but unless the new collectors are encouraged, the hobby will just die out.
Bear in mind that for every patronising comment made, there are many more here who are supportive and encouraging.
As to your query on legal tender - if I knew the answer I would be happy to give it!