No, I'm just stating a reality of the banking and financial systems. If you want to receive wire transfers, you need to be a federally licensed financial institution, and therefore subject to regulation. Those regulations say you must report all activity that meets certain patterns (ie, certain dollar amounts, suspicious transactions, etc). So, by default all money transfers are monitored by the government. If you want to turn bits into currency (ie wire transfer) you need to pass through a federally regulated entity to do so.
