I’m not saying these rules are perfect, but it doesn’t help if you argue against rules that don’t exist.

Commercial transactions are not “all” tx, and above 3000€ are obviously not the most common tx.

I do think the crypto restriction with no lower limit is too much, and I don’t get why they focus on custodial wallets, but it’s again not “all” tx.

Why does the government …

Money laundering, tax evasion and corruption are real crimes with real consequences, and knowing about the flow of money is pretty much required to be able to detect them. It’s a trade-off with privacy, so imo setting some limit for anonymous payments is the right thing to do. Idk if 3000€ is perfect, but it does seem reasonable.

Police have more surveillance and crime-detecting tools …

We need some amount of oversight and surveillance, so imo it’s not good enough to just exaggerate every proposal to the extreme and reject it on those grounds. These rules are not a total crackdown on anonymous payments, but they might still be too restrictive. But you kill every discussion about that if you just make up different rules entirely, instead of arguing about the rules that were actually adopted.