Isn’t there a legal term for this?
It is like if it is illegal to import more then $1000 into the country without declaring, and you (clever) give $900 each to 4 of your friends who are conveniently traveling with you, so you only walk across the border with remaining $400, not breaking any laws. Then when inside the country, your friends give you back the $900 each, meaning you just de-facto imported $4000 while technically crossing the border with less then $1000, as legally required.
If normal people tried to do this they would obviously be charged with the crime of illegally importing money, but also with something like a conspiracy to evade the law.
I don't know of a general term, but in financial crime it's generally referred to as 'structuring'. IIRC this is from US legislation but it's definitely used in several other countries. I've also heard it referred to as 'smurfing', particularly when splitting a task like purchasing items in a small enough quantity to not be suspicious.
Obstruction of justice.
At least for us. For the more fortunate, maybe it’s just a “creative interpretation of law.”
https://en.wikipedia.org/wiki/Structuring
When this is done with deposits to avoid IRS scrutiny it's called "structuring."
Perhaps conspiracy and accounting fraud.