Here's the Catch-22: If you withdraw $10,000 or more, the federal government insists the bank send them an activity report on you. If you withdraw a bit less than $10,000, the government assumes you are trying to avoid the reporting of a $10,000 transaction.
In either case, the feds assume you have evil motives. So, you assume the government has only good motives at heart, and anyone who does either of these withdrawals has evil motives.
How long have you worked at Treasury?
Next, because I was spending more than $10,000 at Best Buy, I had to fill out an affidavit, give a thumbprint, and explain what I did with the money. I resented that.
If I had $10,000 to take out of my accounts... I would make sure that I stayed under the magic number.