ELI5 How do rich people just hide their money in offshore bank accounts? Do they just call up the bank and say I want transfer such and money? How come the original bank doesn't catch on?
First, 99% of it is completely legal. Rich people write the tax laws. It's only when the money is coming from an illegal source that it becomes a crime and most big criminals know how to get around that.
Isn't that $9k limit against pure cash deposits? As in an ACH, wire transfer or even old school paper cheque would be fine, but untraceable cash of $9k raises the eyebrows of regulators.
Where are you getting multiple handfuls of $9k in cash (and you aren't a cash operating business which don't apply) that you are running into this as a problem?
You're creating your own problem, complaining about it, and somehow that's my fault? If this is your regular pattern, I bet your life is a mess and you have no idea why.