They will probably track people who withdraw and if you take too much they will no know raid your house on suspicion of “Your money” being involved in the drug trade and they will take your money away by force...
You are correct.
It's for the children.
And, if you limit your withdrawals to avoid suspicion, that’s a “structured transaction” that is per se evidence that your money is criminal. That’s what they got Gov. Spitzer on. It’s also the way the IRS can harass small merchants when they want (smallish deposits rather than withdrawals, though.)