But (and IANAL), couldn’t Trump have arranged a retainer agreement with Cohen a long time ago, with the fee set at $, with an understanding the monthly bill might be as high as 3 x $?
So Cohen can’t get the $130K from Trump immediately, so takes a LOC on his house, then bumps the next 6 invoices by $130K/6, with the remaining $10K split randomly and added to each of the 6 invoices, thus looking like routine fluctuations. All with Trump unaware of the specifics.
Also, since I find folk around here very smart, couldn’t a defense against “structuring” payments be: “Just normal fluctuations, officer. Business as usual.”? Just be smart enough to randomize. And be sure the total is not the exact amount as the “real” value.