Well, if you're depositing a money order it better have the account holder--you--as the "To:" name. And if you're depositing money orders with a lot of different names as "From:" or even one different name as "From:" why would you believe that wouldn't raise the question of money laundering for that "From;" person--with you being the money launderer...and with tax consequences for you.
If you have records, you can answer any question about your transactions. Sure, banks will close you down at random, but I see no reason to think the names of the money orders matter. If you have a choice of lying or telling the truth, tell the truth. It's simple. You gain nothing by llying--nothing at all--and in this case I think you even invite greater scrutiny and questions for which you can't come up with a legitimate answer. "Mr. Craz, you've been depositing money orders form John Smith. Why? What's his relationship to you? What is this for?" Would you really prefer to answer those questions than show a receipt for buying a gift card, a receipt for using it to buy a money order, and that same money order being deposited in your account?
Ive posted in the past I have an excellent relationship with my banks = $$ in accts with them, but even that at times wont save me. I see things as to how I would view it if I was on the other side. and to me its seems very funny if a person was handing me time after time tons of MOs with their name in both areas. IMO that would raise a red flag while having the To and From having different names would seem normal to me. It can be a repayment of an outstanding loan etc etc
i wouldnt be at all comfortable depositing the MOs with my name in both fields, thats me and its best to do whatever makes a person most comfortable, so if youre comfortable having the To & From with your name so do so. Just as if I didnt have a ca$h business I wouldnt be comfortable making large ca$h deposits on reg basis, others will feel right at home.
Once WM changed its limits some folks were comfortable doing $8K everyday, I was comfortable keeping it under $1K so as no ID needed and simply would hit 8 stores to unload. For some having to go to 8 places theyd rather not MS. there is no right or wrong. I keep my Simon to under 10K, others feel comfortable getting the full 25K
I just think a person should be presented with both sides and then decide for themselves which way to proceed