The article essentially divides the crypto mass into three broad categories,

1. Individual
2. Exchange
3. Administrator

As per the definitions provided, we as a general user of cryptocurrency falls under the "Individual" category who uses the service of an exchange or an administrator for transmitting cryptos making them liable for any AML non reporting issue.

So here the exchanges and administrators need to follow the current AML guideline to remain compliant. Even though I personally don't support any censorship on cryptos, but the raising concerns regarding criminal activity and terrorism financing needs ro be stopped. I see no issues in the circular. If you find any, can you please point that out for us?