I totally agree; I don't believe you want to do that. What you want to make sure is that the Canadian banks are operating in a legitimate manner and that they do not do this to hide criminal activity.
To come back on the previous item, I do believe very strongly that many tax advisers have made a lot of money advising on things that basically were not legal. Then they got big fees from people, after it was discovered they weren't legal, to undo them. I do firmly believe that people have to be legal in that area.