Gains from efficiency are experienced by labor in chunks, mostly due to great strife or revolutions (40 hour work week, child labor laws, etc.). Gains in efficiency experienced by capital are immediate and continuously accruing.
That you can't transfer large sum of money because money laundering rule.
and you can't break it into smaller pieces either because that is called "structuring" and is a crime?
He is meaning “money” = cash, and in practice he is correct. The mere possession of large amount of cash is a crime - a crime charged against the money itself in a bizarre twist of the law to end run constitutional concerns - and one which year by year it is getting harder to fight.
In the pre-banking era you could get robbed, killed, taxed to death, made to fight in a war, etc. That's all still true, but now most of your resources (savings) will be stuck in a place where there is no need for violence to cause you to lose all of it.
The way we normally deal with all these problems as a society is to apply force (via police, courts) to ensure that everyone has certain 'rights'.
The problem today is that while you have certain rights, like fairly strong rights to private property interests in real estate and such, we generally have very weak private property rights in financial properties. This is a problem world-wide. We need to fix this in our countries.
