That's how it is supposed to be apparently. The government makes it hard to transfer larger amounts. And you're at the mercy of banks.
This is precisely what bitcoin solves.
And don't try and "structure" your transactions because that will be against the law too.
It already is. If you use bitcoin through a centralized exchange, you are already at the mercy of the government.
Because you wouldn't want the government knowing you cashed out some bitcoin.
Even if you receive fiat directly in to your bank account when trading bitcoin peer to peer, the government just sees a transfer from one private individual to another. It doesn't know that any bitcoin changed hands.
Only if you are looking to get cash or cash equivalent. One of my clients routinely logs into online banking and sends out 7 figure payments to people.
Doesn't mean it isn't being checked, even if by some automatic algorithm at his bank. And if something flags up, you can guarantee that payment is being put on hold while the bank investigate. This is simply not possible with bitcoin.