[obstinate]

The metaphor is not apt. There would be nothing wrong with him withdrawing $32,000, nor with him withdrawing $8,000. The crime was withdrawing $32,000 while evading the reporting requirements. It's not remotely the same as staying under a speed limit.

[steveax]

Not to mention lying to the FBI about it. It's not the crime that'll get you, it's the coverup.