Interestingly enough, lots of consumer printing software will not print images of US currency. Photoshop will absolutely not allow you to even open images of it.
http://pbx.mine.nu/random/Series2004NoteFront.jpg
You are absolutely right. Newer banknotes are unable to be opened in Photoshop.
I feel dirty.
http://i.imgur.com/fW7yaYU.png
CS4 was when I first encountered it.
I think you think printers work different than they do.
They also add watermarks -- small almost imperceptible yellow dots that uniquely identify the printer in question.