The implications of the mindset of "money laundering is a crime" is the problem. It's how we get this invasive government reporting requirements on our own money - which apply whether or not you are actually laundering. It is how we end up with these $10K rules, and people getting hit for structuring. (Which is even more absurd. Create a law to make people get reported at $10K. Then create another law so if they do less than $10K suspiciously, that's a crime, too!)

So, if AML tactics were not so draconian and far-fetched, if it was just a tacked-on charge (like how they'll throw wire fraud on to everything), then it'd be an annoyance and unfair, but not so harmful. Instead, we have this fearful environment because people think laundering is some terrible crime, and that makes it more acceptable to have things like civil forfeiture.