Because look at what happens when the government thinks you don't care enough about money laundering. TD Bank recently got hit with a $3 billion fine.

> More than 90% of transactions went unmonitored between January 2018 to April 2024, which “enabled three money laundering networks to collectively transfer more than $670 million through TD Bank accounts,” according to a legal filing.

https://edition.cnn.com/2024/10/10/investing/td-bank-settlem...