Well hopefully you are saving for retirement! If you are, it is pretty easy for that to exceed $10,000. Also, lets say you have an elderly relative that you take care of that lives outside the United States and you are a signator on their bank accounts. That would fall into the category that would require reporting. Or if you are saving for university for your kids even if it is in their name. Again, falls into the category. If you are married and you are a signer on any of your spouses accounts... again, fall into the category. So I would think that at some point in most expatriate's lives, they are going to hit that mark one way or another.
