This works while you don’t even have to report - for tiny amounts

but for something like $2,000 - $5,000 or more per transaction I don’t see how these would help

You’ll get flagged for just using an ATM

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5k$ is still safe in my opionion, your position is valid for something like 15k$/year.

i say, stack it quietly and then move where they don't even tax you anyway, that's partly why i'm planning to settle in WY