Just sell the damn money. Treat it like pre-war money- just something to sell.
Heh, I never sell my prewar money, or any other paper money for that matter

I hoard them in my den

i also try to never use caps, i just hoard them.

If you check the replies, you'll see that some people have talked about solutions and work around about this problem. So, yes, the thread was constructive. There's a way to make a "whine" constructive, and there's a way not to do it.
That feature also ticked me off, but I never even thought about selling the NCR Money then using the caps I get for chips, nor did I check if a mod covered that out. So it has been a useful thread for me, it's one for the OP and most likely one for other users as well.
You are right, point taken.