I think we've got two groups of people in this thread.

One group has two accounts, likely one for each spouse, and plays the $1000 back-and-forth each month, so a cycle of $2k/month.

The other group has a mini-network of accounts and gets a lot more out of this situation, but, of course, runs a higher risk.

The first group has no problem with SSNs or tax reporting, since they can't hit it if they want to (max of $12K per SSN per year).