I think you raise a good point. In an ideal world this would mean that only more sophisticated criminals with access to money laundering would be able to use la

I think you raise a good point. In an ideal world this would mean that only more sophisticated criminals with access to money laundering would be able to use large amounts. An unsophisticated criminal can't just buy stuff from a law abiding citizen. Remains to be seen how this will work out in practice. My guess is that most law abiding citizens won't even know that such a law exists. Your point still stands though.