I don't disagree, but it is my opinion that the nature of financial regulation in the US means that if you own any significant amount of wealth, you reach a level of complexity where you are probably at least unwittingly guilty of a misdemeanor or felony, and few would withstand FBI scrutiny with agents motivated to find something to prosecute you with.
Specifically, I think the law is sufficiently complex that it does allow for a significant degree of arbitrary enforcement.
Specifically, I think the law is sufficiently complex that it does allow for a significant degree of arbitrary enforcement.