Clearly they were in over their heads with the Paypal account and in need of legal guidance regarding it. That guidance should have come before the bond hearing, and MOM should have been the one to provide it. That is what a lawyer is for. He dropped the ball bigtime and his client is paying the price.
But you are right about one thing. Things would have been so much better had they just left that money in the Paypal account. No one but GZ could have touched it. When they moved the money -- that's where they got in trouble here, because the prosecution is using those transfers as evidence to bring this charge of perjury.
I didn't say the money transfers were illegal (although LE/Treasury/Homeland Security may disagree with me on that). The point is she was specifically asked if they had any assets for bond, and she answered "no". Money in an account is normally considered assets, indeed liquid assets, the most available kind, and it doesn't legally become "no assets" simply by moving it into a spouse's or relatives' account.