Yes, most of the time people worry about CTRs when they try to withdraw or deposit in an amount more than $10K in one transaction. So, people go around to avoid

Yes, most of the time people worry about CTRs when they try to withdraw or deposit in an amount more than $10K in one transaction. So, people go around to avoid CTRs. CTRs are never a problem: for every SAR, 10+ CTRs are filed. In other words, people exacerbate the problem by 10 times.