Color me stunned. After all the factual info here in this thread about why this is a bad idea, you don't 'think' flags are raised? I don't believe you're thinking at all.

This is a special sort of activity for which the regulators are on alert. At least here in the land of the formerly free and the home of the cowed. They deem it important enough that they have their own pet term for it (structuring? - don't remember). But finagling your financial transactions in a way to purposely skirt the limits in place is also considered criminal, and earns you a special spot on their hit list.

Does this suck? In my mind yes. Is it fair? In my mind no. But this is the world in which we live.

If you want to play Amerikan roulette in this manner, then I guess that is your right. But please don't drag others to the gulag due to your ignorance.