Very good points.

My concern is in an economic downturn, they will "streamline" their own rules. Due process has a much weaker grip here in Australia.

I want my every transaction either fully off books, or as boringly compliant as possible. I am worth their time, if only just, and many of us might suddenly become worth their time if they get really hungry...

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y'all must have IRS agents milling about around you or something, how the fuck do they get such an intimidating reputation if they aren't feeding masses of snitches?

fair enough play by the rules if you have a shopfront or something but when most of your customers are informal af why file???