You are assuming that money ever gets to Canada. Half the time it's just kept in an account in Panama to be used when the family is on vacation or wants to buy

You are assuming that money ever gets to Canada. Half the time it's just kept in an account in Panama to be used when the family is on vacation or wants to buy a second home in another country. Either that or it's brought in in literal cash. That's why the stories of Chinese home buyer showing up with literal briefcases in cash are all over the place.