Should banks and financial platforms decide who is and who isn't doing illegal things? The more we expect financial institutions to take on this task, the more they need to crack down on anyone who even looks like they're doing something criminal. This is how you end up with those situations where random people get their financial accounts frozen with absolutely no recourse. Just imagine, if you accepted an international wire from a family member in another country and next thing you know all your accounts are frozen. Do you really want your financial institution to be the judge, jurry and executioner?

There's a time and place to go after criminals but I don't think that financial institutions are the ones who should be making the final decisions on these things - that should be left for law enforcement.