[fragmede]

That parts fine, it's the collateral damage that's the problem. Laws don't know who're the bad guys and who are the good guys, and sometimes everyone else gets caught up in the dragnet. By all means, stop the bad guys, but unfortunately, they don't easily identify themselves, so we pass laws and apply them to everyone (in theory), but they can end up doing more harm than good.

The $10k rule by the Bank Secrecy Act wasn't indexed to inflation and would be closer to $80k today. So it should be amounts up to $80k that aren't considered worth monitoring, but instead, if you deal with, say, buying and selling cars, you get tripped up by that all the time. It's regulatory red tape overhead that costs a legitimate business extra time money that they could be better spent elsewhere.