I believe the way to avoid SAR here is to file for an LLC, then create a business account, then pay yourself whatever wage via direct deposit for 1099/W-2/capital divestment payments. I'm not saying that you should have to do that, but I believe it's the best way to avoid SAR.
When you own a company, you can direct that company to pay you.
There are many names for the payments to owners, such as "dividend", "loan", "draw", etc. None of these payments are suspicious if both you and your business account for them properly.
You don't need to disguise payments to owners as wages or 1099s, but you're free to do so if for some reason it's advantageous. But don't do it just for the appearance of legitimacy.
There are some rules that kind of establish a minimum amount you need to pay yourself for your own labor (either W-2 or 1099), I don’t think you can take 100% as capital divestments, but otherwise yes totally agree with you. I meant paying yourself however is most advantageous for your earnings/tax/savings situation.
