The little guy who is trying to pay for the MO with cash is at a grocery store not SM.
The guy who is trying to buy 10 x 1 k is only kidding himself.
SM and the IRS has his number.,
No one is doing anything wrong, except calling attention to them self, which they may have to pay cash later to defend, an IRS Tax Audit, should they own a business.
IRS always looks a your deposits as income, and questions all expenses...while the CPA sets there at $300.00 an hour in the real world, plus prep time.