Matt, I don't fully understand your question, but I'll give it a try to best answer it.
I guess the "who" would be the person accusing me of structuring. But not any person (just a week ago a WM manager accused me of structuring for making multiple deposits on my Serve card. I don't think that person qualifies as a "who" in this case, since they have no power to put me into jail). There's lots of legitimate reasons to make a lot of deposits < 10k. I would think this is a legitimate reason. We want the funds to be available as soon as possible, so we just deposit them the same day we buy them. It takes my bank 3-4 days to clear the funds. I could collect them and make one big deposit weekly, but I prefer to dump as I buy. If that is structuring, then I guess I should be in prison. That law should be written off, or updated. 10k isn't what it used to be.