> The US banking system easily detects large cash deposits under 10k even into bank accounts, and then confiscates the money.

so you are conflating two concepts because first you are depositing $75,000 in this example.

and no they don't confiscate it just because of that, they will freeze it because of your poor explanation.

and if your explanation still sucks, the bank will unfreeze it and give you your money but close your account.

it will appear confiscated if you can't accept your account being frozen and argue the point, which will only raise more flags from more people in the institution.

but if your explanation was good, and by good I mean generic, then you won't encounter any problems.

the deposits over $10,000 will be reported to the government, but then its just the government's problem, and if the transaction wasn't actually problematic then you don't have a problem.