(Referendums notwithstanding.)
The difference being that who needs to prove what can be quite flexible.
In civil contexts however, the legal standard is the much lower "preponderance of evidence" (https://en.wikipedia.org/wiki/Burden_of_proof_(law)#Preponde...).
For example congress could legislate that some specific crimes should use "preponderance of evidence" rather than "resonable doubt" or even require that the defendants prove their own innocence beyond resonable doubt.
In the case of civil forfeiture I suspect that the individual whose property was seized has a constitutional right to appeal in some way, but also the constitution has little to say about the rules of that appeal process.
So naturally, because in most civil cases its the other party's inaction that's supposed to be punished, courts adopt "guilty until proven otherwise" stance. Now it's the other party that has to show a receipt signed by you, or to show their bank statement that says they've transfered money to you, etc. That's one reason why there is so much paper trail in business and commerce — so that's when someone sues you, you could use all that paper to cover your ass.
Edit: rhetorical question as I don’t think you’re actually of the opinion that it’s reasonable.