Here are two very quick comments.
I get irritated when the financial literacy thing is that we have to make people smarter. There's an attitude like that in financial literacy often.
When I wrote the report on financial literacy for the task force, my take was that we should make the system simple enough that an average person can make reasonable decisions and be treated fairly.
You mentioned that bank tellers might be “authorized”; I think they should be “required”. Bank tellers are required to report to federal agencies when they see $10,000 moving around; or when there's some evidence or suspicion of financial money laundering, they're required to do so. Why couldn't we require them to do so if they look at something that has some level of suspicion?
Then I don't know who they report to, but.... There are privacy issues, and they might be quite legitimate, but I think you can require that when they see something suspicious they must bring in somebody who is going to look at it and say whether it's okay or not.