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-- it automatically does that whole process for you.
-- could it be that it works differently for keyboard and mouse, than it does for controller?
if that's the case, there may be an keybind solution to replicate what the controller does, on keyboard, to have that auto-convert there too.
So, I can see the need for something like that on multiplayer, because currently there is no way to transfer funds. You can leave cash in storages or on the table, but there is no way to give cash that was dropped by a killed hostile. You could pick it up and drop it again for a friends.
However, the act of selecting it uses the cash and adds it to your wallet.