There are two laws/rules in question. A. Transactions above $10,000 must be reported by the bank. B. Bank customers can't structure withdrawals deliberately t

There are two laws/rules in question. A. Transactions above $10,000 must be reported by the bank. B. Bank customers can't structure withdrawals deliberately to evade the reporting requirement. Ignorance of the reporting law de facto means that you haven't violated the evasion law. You can't deliberately evade something you know nothing about.