this bond that goes to the treasury/ spc process

now I am only studying this, I haven't taken any steps but I have tons of questions that no one can seem to answer to my satisfaction. In the SP/C process it seems a bond ends up getting sent to the treasury dept for at LEAST a minimum of 100 million- this is supposedly a pledge, promise to pay, against your "future labor" I have also read of folks who just "accept for value: their birth certificate and send that to the treasury and make the Sec. of Treasury the fiduciary and be able to discharge your debt - in other words, no bond is sent just the endorsed birth certificate

I'm curious to hear which way folks are doing this or if neither way ? I don't understand how I, realistically, can pick a HUGE number like 100 million and "pledge" it against my future earnings....Heck, for the 20 years I have been IN the work force I haven't come close to "earning" 100 million so I really don't feel like it is honest nor realistic of me to pledge that I am going to generate (or whatever) 100 million worth of (whatever) in the next "30 years"

So for anyone who HAS done this process, how are YOU understanding what you did and can you explain it to me like I'm a five year old?? :))

p.s and please keep the snarky "this kind of stuff will land you in jail" comments to yourself. I am wanting to hear from people who HAVE done this process and what their understanding of it is - thank you