An old widow found her late husband's legally-acquired stash, and her kids told her to put it in the bank. However, being afraid of carrying so much, she took a little at a time. Guess who was criminally charged?
There must be more to this story. The filing of a SAR does not instigate an arrest, but prompts an investigation. If there is no illegal activity associated with the deposit that is the end of it. There is no law against large cash transactions. What was she charged with?