> OTOH App store transactions are a relatively big money laundering risk

To a longtime indie developer???

We're not talking about huge sums of money here. One month's income for a little indie App Store developer. More or less (probably less) the amount of a software engineer's monthly paycheck.

And what's Apple's "evidence" for money laundering in these cases anyway? It always turns out to be nothing, and payments are eventually restored, but the developer is deprived of cash flow for a month or several with no explanation ever.

Anyway, for developer accounts that Apple terminates (again without explanation), I believe that Apple simply confiscates the money and never pays what it owes to the developer.