Others have already answered but the proof of guilt is the inverse, I have to prove my money is legit, or it will be confiscated. Then when I deposit it in a bank the bank gambles and looses the money anyways, because excess liquidity.

The game is rigged. Give me a bank where I just deposit my funds, and nobody touches it and I'm happy to pay for the service. Maybe I want a portion of it to grow and I'll allow it to be lended, for interest.

The bank should work in my interest, not their investors.