"Rightly" because one of the jobs of government is to enforce its laws. And yes, it is true that if crime is easy to do, there will be more of it. The payment part is key because getting paid is the key motivation for many crimes - those scammers from "visa bank" aren't calling you because its fun for them. An example is ransomware attacks - without an unregulated anonymous digital payment system the getting paid part of this crime would be much more difficult. Are they going to try and pick up a bag of cash?