Torn And Worn Out N100 In Circulation, A Deliberate Act By The Banks?

Who else is witnessing this trending circulation of torn and worn out N100 notes within the economy? When last did you see or touch a clean N100 note? How is the situation in your area? I think this act is rather frustrating because they've been so much arguments from people when either making payment for something or receiving a balance after paying for something and the transaction involves N100 note. 

What you would mostly hear is, "oga or madam, abeg change this one. Nobody go gree collect me this one".