Sure it will get sharded. But this is a pattern which can be detected, specially if you're not using your opaque money on stuff like groceries and normal day to

Sure it will get sharded. But this is a pattern which can be detected, specially if you're not using your opaque money on stuff like groceries and normal day to day stuff. If you're constantly maxing out your cap and buying normal stuff without that privacy-enabled money, it may well raise eyebrows in the IRS. It's not a per-transaction cap, but a monthly allowance.