> That is tax code, not a banking regulation, no? But on topic, nobody is preventing you from transacting with whatever quantity you want of your own cash. You just need to pinky promise to the government that you'll file the right forms with your taxes. Same as you would with bitcoin.

It appears your argument is "I don't like the law." Good luck to you. Statute is clear on the topic. I have made my best effort attempt to educate.

https://www.ecfr.gov/current/title-26/chapter-I/subchapter-A... ("§ 1.6050I-1 Returns relating to cash in excess of $10,000 received in a trade or business.")

https://www.fincen.gov/resources/statutes-and-regulations/ba... ("Bank Secrecy Act")

> The Currency and Foreign Transactions Reporting Act of 1970, its amendments, and the other statutes relating to the subject matter of that Act, have come to be referred to as the Bank Secrecy Act (BSA). The BSA authorizes the Department of the Treasury to impose reporting and other requirements on financial institutions and other businesses to help detect and prevent money laundering. Specifically, the regulations implementing the BSA require financial institutions to, among other things, keep records of cash purchases of negotiable instruments, file reports of cash transactions exceeding $10,000 (daily aggregate amount), and to report suspicious activity that might signify money laundering, tax evasion, or other criminal activities. The BSA is sometimes referred to as an "anti-money laundering" (AML) law or jointly as “BSA/AML,” and is codified at 12 U.S.C. 1829b, 12 U.S.C. 1951-1960, 31 U.S.C. 5311-5314, 5316-5336, and includes notes thereto.