You're very presumptuous. I have. Institute for Justice, one of the most active legal firms in this area will educate this on this matter [0]. Civil asset forfeiture is a non-criminal process where assets are forfeited civilly. If you think civil asset forfeiture is not used to seize bank accounts, you're mistaken.

[0] https://ij.org/report/policing-for-profit-2/grading-state-fe...