I'm not saying "I'm right", I'm saying "this is a system I was taught, the system pre-existed me, and I thought an intellectual website that obsesses over the history of small details and unambiguous communication protocols would appreciate my contributing it."
back when we wrote checks, you didn't write the word "and" till you got to the cents (US) on a line that was preprinted "dollars": one hundred fifty three cents dollars" vs "one hundred fifty and three cents dollars".
It's history, it's interesting, it's not meant to throw you into a panic or fits of anger. And I very much doubt that you speak for all of English speaking countries, and through history as well, but must admit you might and I'm lucky to encounter an historian of numerical orthography.
like 5 dollars and 13 cents, which still wouldn’t express a decimal point
it doesn't express a decimal point if you think of cents as a completely different unit of currency from dollars, but if you think of cents as 1/100ths it actually does indicate the decimal point. "5 dollars and 13 100ths" which is what cents means, and which is sometimes used when not referring to money, for example items that are measured in centiles such as interest rates. I think our forebears were more likely to throw words like centile around, and thats how they came up with the word cents.
My cousin is Italian and he always says "for cent" to me and I scratched my head till I realized, per is translated to for from Italian, and they say "25 per cento" so he's just translating it to English as it makes sense to him, not realizing we also have the word per.
Your cheques example is a completely different matter because you’re specifying a unit, without which it would be nonsensical in at least most English locales (all that I know of). That dividing “and” in {{N dollars} and {N cents}} is just a normal “and” like any other in English, roughly meaning “plus”. In Australian English, I would pronounce $1,234,567.89 as “one million, two hundred and thirty-four thousand, five hundred and sixty-seven dollars and eighty-nine cents”.
For more interesting currency matters, go back to https://en.wikipedia.org/wiki/£sd#Writing_conventions_and_pr..., where you had three items, and “£2/4/6” would typically be pronounced “two pound, four and six” (or sometimes “two pounds, four shillings and sixpence”). This shows more clearly that what it’s a perfectly normal “and” like any other in English. (Also that conventions can certainly allow elision in understood contexts. I’ve never heard of “one dollars and twenty-three” for “$1.23”, but it would be consistent with the sorts of shortenings that sometimes happen.)
my tone was probably a bit blunt. It seems to be a stimulus-response in me when regional differences in language, date formats or units of measure are presented as being wrong rather than just different.
the sense in which one way is "wrong" is the same sense in which the oxford comma is argued: nobody is saying that civilization will collapse either way, but one way is tighter in terms of eliminating more common forms of ambiguity. And when saying 150 is one hundred and fifty, the "and" adds nothing in terms of information or comprehension; to that very same person, "one hundred fifty" is just as comprensible.
and fwiw, I don't think it's a regional difference, I think it's a difference between certain traditions within the banking and accountancy areas, vs outside.
back when we wrote checks, you didn't write the word "and" till you got to the cents (US) on a line that was preprinted "dollars": one hundred fifty three cents dollars" vs "one hundred fifty and three cents dollars".
It's history, it's interesting, it's not meant to throw you into a panic or fits of anger. And I very much doubt that you speak for all of English speaking countries, and through history as well, but must admit you might and I'm lucky to encounter an historian of numerical orthography.