Is Collaborative Transactions for Basic Financial Privacy an Illegal Act?

Using collaborative transactions for basic financial privacy is not a criminal act by itself. The stakes become significantly higher if you are using collaborative transaction tools, if they are made explicitly illegal in the future. If you're comfortable with that trade off, you get financial privacy to day without explicitly breaking any laws. And there's a strong argument, i think, that this type of action in this direction shows that it's important to get your privacy in order before using certain privacy tools become explicitly illegal.