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.
It certainly does that. We've seen the government trying to make rules up but nothing to really stop people from transferring large amounts of bitcoin. I just don't think the US government will allow it to go on forever though. Not for US citizens anyway. But that's just an opinion. But they force everyone filing a tax return to answer questions about if they received crypto during the year. I'm sure those reporting requirements will grow more onerous over time such that one day you'll have to answer whether you sent any crypto or whether you own any and then how much of each type of crypto and please list the wallet addresses etc. it will just get worse.
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.
And possibly even worse, at the mercy of the centralized exchange!
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.
But if the amount of large enough, that will begin an investigation possibly where they try and find out all the details and reasons why this individual is receiving a large amount of cash into their bank account, same as if you walked in and tried to deposit it in person. As far as the bank and government are concerned they don't know where the money came from so they possibly assume the worst, that it comes from illegal things.
We have to remember that at least in the USA, when it comes to matters like these, people CAN BE treated as guilty until proven innocent.