[maxerickson]

The problem with your analogy is that the reporting requirements are not analogous to a speed limit.

The intent of a speed limit is to increase safety by, uh, limiting speeds.

The intent of the financial reporting laws is to limit money laundering by tracking the movement of large amounts of cash (and other negotiable instruments).

So back to the analogy, going below the speed limit is a way of following the rules. Making transactions below the reporting limit in order to avoid the reporting is not a way of following the rules (it's an explicit attempt to avoid them).

I guess you might be able to find a bank that would help you report transactions that are below the $10,000 limit (which would be an act that is more analogous to staying below the speed limit).