Not all restaurants are roach-infested mold-filled hazards - but we have to treat them all like they potentially are, in the sense that we need to register them and inspect them to prove that they aren't hazards. Marriott and Hilton hotels get inspected all the time and they pass with flying colors because they do all the things they're supposed to do - unlike unregistered fly-by-night flophouses working under the radar.
You've obviously never gotten bedbugs from a neighboring unit or hotel. Trust me, they suck like crazy. You do not want to go bundle everything you own into trash bags, move out for a weekend while you wash everything you own, and have the house fumigated (heated to a crisp). It sucks.
Fraud/money laundering is a form of criminal activity, and (just like hotels) banks are compelled to report on specific types of activities that are likely to be criminal. Hotels don't define this; legislatures do, just as they define (or delegate) what they consider to be suspicious financial activity. The Hilton is not deciding that the guy paying in cash every night with a dozen visitors every night or the guy bringing in a bunch of drain cleaner every day is a suspicious individual, they let the FBI investigate that just like financial crime.
Sorry to break it to you but the FBI is on to your no-tell-motel dealing scheme. They're not stupid.