One consequence of attempting to be your own bank is everyone tries to treat you like a criminal and your money as illegal.
A friend of mine, family business owner carrying on from his father, was having a hard time gaining the rest of the financing required when buying a house. He asked "is it ok if I just bring the last 100k in cash?", they agreed (I guess not understanding what cash meant).. and then totally freaked out at the duffle bag full of $$ at the closing, perfectly clean legal $$ just tucked away over years by people who don't keep everything in the bank.
Heard similar stories of people trying to buy a new car in cash, dealerships usually won't take it.