Comment by ares623
I agree the AML laws of old are out of date for the current state of things. More and more workers in developing countries are doing remote work, and AML is unfortunately unfairly affecting this demographic (I used to be part of that demographic).
But enabling everyone to skirt around it completely is not a good outcome IMO.
They aren't old. They were passed this century—because, in democratic countries, they were politically radioactive until the 9/11 attacks allowed the Intelligence Community to get its wishlist passed into law.
Enabling everyone to skirt around it completely would be in effect a return to the state of affairs that prevailed throughout the entire 20th century, and that would probably be a good tradeoff.