It's even more complicated with smart contracts, deadman switches, and other stuff. It's not really possible to determine how much anyone will have in the future and there is a technique called time lock encryption where a person can send their stash to themselves in the future and the transaction can occur in such a way that they can be inspected.

The problem with these sorts of laws is they just seem to want to throw digital currency in with a bunch of other stuff as if it's the same or similar. It's programmable, it's not similar to anything else, and in my opinion if it's going to be regulated then they have to do it in it's own lane. Honestly I don't see this particular regulation doing anything except cause the actual terrorists to use smart contracts with their digital currency and cover up their tracks.

People who truly aren't terrorists will follow the law and be inconvenienced.