I have realized majority of crypto users do not know how AML works.

Let me tell you, withdrawing your huge crypto in bits and to different destinations doesn't prevent your funds from being frozen.
This act is called Structuring and it's a financial crime.
Here in Kenya, doing that will make it easy for the authorities.
We have a Financial Intelligence unit called FRC whose work is to monitor every money movement.
At the end of the day, KRA will be on your neck too.
How this happens, it's very simple.
The blockchain enables anyone to see any transaction done onchain and, if multiple withdrawals happen to different destinations from one source, that just mak@es it easy for them.
Remember the wallet tracking guide I shared? ( still on my pinned post) If a normal individual can do that simple tracking, then why not authorities?
At the end of the day, you funds will be probably frozen and you will be summoned to answer questions about the source of funds.
This is one mistake people make. Any withdrawal you have to make through a Centralized Exchange is always being monitored.
So what is the solution?
Just follow the legal way, withdraw all your funds to one place if you have to, get frozen, provide the source of funds and trail. If it's not fraud money, you're good.
If you are trying to be wise, atleast be good at it but do not do this bs.