[garbanzo]

Amounts under 10,000 must be reported if it is a pattern and practice

Ok now define "pattern and practice" in some objective manner - "structuring" is nothing but a word for whether or not you're on a government s-list. As you point out, we proles aren't even supposed to know when we're breaking the law or how to comply with the law. If we ask, we have to be reported to the government.

[Torie]

Some definitions are indeed subjective, and little more than one knows it when one sees it, and it is up to a jury to decide. Life is complicated.

[Torie]

By the way, withdrawing large amounts of cash is not illegal. It depends on how it is used, and since you will be reported to the government, you might have to explain how it is used. Inquiring what the law is that pertains to banks isn't illegal either. You will just be reported. Yes, it has overtones of Big Brother. The reporting of inquiries should be scapped. It just separates out the dumb potential crimbos from the smart ones, or the richer ones, who will just ask their lawyer. I don't think big time drug dealers ask banks what the law is.