"might get blacklisted"
...skip the headache, get blacklisted lol
Correct
If you're going to make government approved transactions (white market) and follow all the rules, there is no reason to use Bitcoin. Just use fiat for that.
If you're going to make transactions that disobey those rules you are now in black market territory so just use Monero
All the fence-riding, pussy-footing between white/black market is cognitive dissonance and pure copium