> To the point where in a not so distant future, settling up funds with friends at a large dinner could in certain cases be considered "structuring"[1].

That's a bonkers thing to fear, bordering on conspiracy theory. The feds aren't chomping at the bit so they can bust you and your friends for everyday behavior.

Now, that's not to say they might exploit it in a three-felonies-a-day sense to get someone they have their eye on for other reasons (a-la Al Capone and tax evasion), but if the law too often leads to unjust results, it will be changed. Especially if the unjust result is experienced by people with power and influence (and not just the poor and marginalized).