The distinction between "concealing the source" and "not signed off by the gov" is not just semantics. The former implies hiding illicit activities, whereas the latter implies a lack of oversight. Your framing ignores the intent to deceive and launder illicit funds.
Discussion
I am telling you, there is no such thing as illicit funds. Funds are funds. If it is stolen - take it back. If you with your friends such as gov. are unable - you do not deserve it. And again, there is no such thing as money laundering. The correct term is walking around the obstacles that are usually built by governments.