It is not a system or structure. It is similar to how money used to work. You had to physically go somewhere to spend money, this discouraged certain activities as people might see you going to those places. But now that everything is digital, there is no similar form of accountability. 

And again, you can opt out by using lightning network. Having absolute obscurity all the time makes auditing impossible. Monero transactions cannot be audited, Monero is specifically designed to enable transactions that you would not do in a public space. Bitcoin neuters corruption, while Monero enables it. 

 "Bitcoin neuters corruption, while Monero enables it."

🤡 😂