[BLKNSLVR]

Not disagreeing with your point, but I would think (personal opinion, so feel free to entirely discard) that there are scales of laundering, and the top end of the scale, where governments should be focusing most energy/worry, couldn't be achieved on a 'personal' basis - although potentially on the mutli-personal basis, but I'd also think that would introduce risk if each person is able to be linked.

Happy to be proven wrong though, and to hear counter-anecdotes (I find it incredibly interesting). Systems and loopholes and patches and 'bugs'.

[toolz]

Well, at the highest scales they launder in plain sight with completely de-anonymized banks and the banks get a slap on the wrist. So that might be considered a different category of problem all together.