[sliverstorm]

It depends on how much your underground wallet holds. There was that guy who was successful for many years, laundering dollar bills in person.

If you buy a BMW, your identity will be noted and the transaction recorded. If you buy a bagel sandwich, the clerk will forget about you by noon the next day. So if it's small potatoes, you could be fine.

If you have a ton of cash to move, you are right- in person becomes a bad option. That's when you go back to the basics- you launder the money, like every big-time criminal in history.