> Clearly the government would love to just take all your information directly when you open an account, as that would be even better for them, but due to the 4th amendment they can't do that

This is just factually wrong. The Bank Secrecy Act specifically requires that banks to provide this info. The 4th amendment does not prohibit this. If a bank refused to provide this required information, the government would go in and get that information directly.

Again, no law is being avoided. You just don't like the law.

> A blanket sweep of everyone's information willy nilly by the government is not 4A compliant, that's why they've had the bank do it on their behalf.

Wrong again. If retrieving this info was a violation of the Fourth Amendment, then banks could just say "no" when the government asks them for customer data data.

Groups did sue following the passage of the Bank Secrecy Act, and argued that it violated the Fourth and Fifth amendments. But they lost, and the Supreme Court determined that it did not violate the constitution.

For the third time: no law is being "avoided", you just don't like the law.