Automatic Monkey said:
What should be and what is are not the same thing. If you carry $45K in cash, you are asking for trouble, even if you are doing nothing wrong. You could get robbed or you could be suspected of a crime and have your money seized. Then you can't play. So don't do it.
We AP's should be very familiar with the concept of getting in trouble and being mistreated even though we are doing nothing wrong.
If you do get caught with $45K, most likely they will sieze it while they investigate you, and you may have to wait three months to get it back. God help you if you also have a bit of marijuana or coke on you, even a tiny bit. On the other hand, it is your right, and if $45K is not a lot of money to you, why the heck not carry it. The reknowned gambler, Titanic Thompson, was known to carry large sums of money, since he traveled among some very wealthy persons, and it was nothing for him to make a spontaneous $20K wager on the most trivial of things. He also always carried a handgun.
Pesonally, I sometimes carry large amounts of cash, but when I do, I also carry protection. Some cities and states are not friendly to carrying concealed weapons, so it would be wise to arrange other means of finance in those cities and states. What comes to mind are NYC, Massachusetts, New Jersey, and Washington, D.C. I called state police one time about transporting a gun through MA where they have a mandatory one year in jail if you're caught. The police described how I was to take apart the weapon, package it, and transport it, but they said even then they couldn't guarantee 100% that I would not be prosecuted. Talk about unfriendly! And those were hunting rifles.