This is usually what beginners think about, who have never dealt with gray and black markets. You think in terms of business as usual, but that's a mistake. To launder money, it is quite normal to lose up to 80% of the value, especially when it comes to millions of dollars. The point is not only to simplify the task, but to the fact that it is simply impossible to do otherwise, if you use all the volumes of funds yourself, there will inevitably be a problem with the special services.
This system was invented a long time ago and all the schemes have been worked out.
For example, cloned cards must be cashed out. And this is no problem if you have 10 cards for two or three thousand dollars. But if you have a thousand cards, you can't go unnoticed.