I faced many of the same impediments you did. But I overcame them with one simple upgrade. An invisible car! Once inside, I can drive slow, and we are immune to helicopter and surveillance cameras. My car proved so poular that I can set my own hours. And I do enjoy a good bag of cash.
The guilt thing is still and issue, but we only robs banks in neighborhoods where rich folks with way too much money live so that helps.
And no itchy mask is required!