[sowbug]

I stand by my statement. Are banks required to scrutinize $10K+ transactions? Yes. Are banks required to scrutinize <$10K transactions to determine whether they're really $10K+ transactions? Yes.

Compare: in the US, you can be detained for driving over the speed limit. You can also be detained for driving under the speed limit, if police believe either that your slow speed is dangerous, or that you are driving slowly to avoid being detained. In all but the most egregious cases of abuse, a driver will have little reason to complain that they shouldn't have been pulled over.

These are both dragnets.