I'm not actually sure this is the case under the law. Removing the technology from the mix, one of the better-known AML laws is that you can't structure your transactions for the purpose of avoiding the $10,000 transaction threshold (at which point the banks report the transaction to the feds for them to keep track of it).
Note that -- as it is commonly stated, anyway, I haven't read the statute in question -- it doesn't matter why you are structuring your transactions to avoid the threshold, just doing it gets you in trouble.
I see people are downvoting this post. Name a legitimate usage. I sure as hell can't think of one.
"need" is a value judgement, but people in general would certainly dislike the premise of using money where everything you did was public knowledge.
Y'all played yourselves tbqh.