If, for instance, someone says "I put $100 in the bank", most people would not think someone used a shovel to dig in the mud.
ɪf, fɔːɹ ˈɪnstəns, sˈʌmwʌn sˈɛz "aɪ pˌʊt dˈɑːlɚ wˈʌnhˈʌndɹɪd ɪnðə bˈæŋk", mˈoʊst pˈiːpəl wʊd nˌɑːt θˈɪŋk sˈʌmwʌn jˈuːzd ɐ ʃˈʌvəl tə dˈɪɡ ɪnðə mˈʌd.