Structuring is illegal if it's designed to avoid federal reporting thresholds. You're perfectly able to structure your payments as long as each one is above $1

Structuring is illegal if it's designed to avoid federal reporting thresholds. You're perfectly able to structure your payments as long as each one is above $10,000 US without it triggering any US law. I believe there is also paperwork you can fill out to structure payments below $10,000 apiece (the reason you have to fill out paperwork in that case is to prove the reason for the many smaller payments wasn't to avoid the bank filling out that paperwork on your behalf.) Meanwhile, lottery winners, people employed at a business and many others receive money at regular intervals.