Question Re: Patriot Act

Over my 35 year working life I put a few bucks into the bank and into
some mutual funds. I also decided long ago not to trust the banks or
stock brokers entirely and I eventually amassed a tidy sum of
"emergency fund" cash which I keep in a secure and neatly hidden safe.
All of this cash was earned the hard and legal way. Income taxes were
paid on every single cent. But now I am starting to feel like a
criminal.

Ever since the Patriot Act was passed, I wondered what would happen if
I ever needed to actually use a fair sized chunk of my emergency fund
for some, well, emergency. I have already run afoul of the money
laundering provisions of the Patriot Act at least one time. I was
quite shocked to find out that a sizable purchase I made at a local
establishment constituted a reportable incident because I had paid
that day with cash. It kinda shook me up rather badly at the time.
Maybe I am just paranoid. However, now I have a much bigger problem.

Within the next three months I will be laid off and will need to buy
down my home mortgage significantly, if not eliminate it entirely. It
will take almost all the money I've got in the bank... PLUS... nearly
3/4 of the emergency fund cash... well into five figures worth.

My question for the legal scholars out there is as follows: How can I
convert my emergency fund cash into legitimate, negotiable, mailable
instruments so I can pay down my mortgage without triggering another
reportable/suspicious incident under the Patriot Act? Should I
involve a lawyer to play it safe? Do I need to contact the FBI before
taking any action? Help!!!

TIA,
Sam
.