so you are conflating two concepts because first you are depositing $75,000 in this example.
and no they don't confiscate it just because of that, they will freeze it because of your poor explanation.
and if your explanation still sucks, the bank will unfreeze it and give you your money but close your account.
it will appear confiscated if you can't accept your account being frozen and argue the point, which will only raise more flags from more people in the institution.
but if your explanation was good, and by good I mean generic, then you won't encounter any problems.
the deposits over $10,000 will be reported to the government, but then its just the government's problem, and if the transaction wasn't actually problematic then you don't have a problem.
Even you. For example, you wouldn't want to keep $75K in your mattress. Would you keep $100K? $750K? A million?
A $100,000 lottery ticket would in the US involve 30-45k in taxes for an unmarried person.
So I bet it would probably sell for around $75,000 cash up front, which is a decrease from the sticker price.
But if I was the winner, I would treat it as extremely shady and probably just go the legit route for almost any price.
The US banking system easily detects large cash deposits under 10k even into bank accounts, and then confiscates the money.
And I don't really want to keep $75,000 cash in my mattress.