Is it possible he is under too much scrutiny to access the money in those “other” accounts?
It’s pretty cleae that he has an arrangement. He shows little income other than what he cannot hide like his salary and book sales and speaking fees. Its a front, like a drug dealer who runs a car wash. He got “loan repayments” from his brother, he rented a room in his house that his son didn’t even use, etc. His son even texted he has to give 50% of his income to “pop”. Lots of money flowed but his name probably isn’t on the checks or bank accounts.
As VP and POTUS, and maybe as Senator, he could travel internationally under diplomatic immunity. He could theoretically bring a suitcase of cash to Switzerland without being inspected or detained but he wouldn’t do that. He’d get a diplomatic passport for his bagman.