It's not "you have money we didn't know about", it's "you have an amount of money that requires explanation". It's more like "we see a lot of smoke coming out

It's not "you have money we didn't know about", it's "you have an amount of money that requires explanation". It's more like "we see a lot of smoke coming out of your house, satisfy us there isn't a fire or we're coming in with the hoses". Viewing that through the "innocent until proven guilty" lens is like trying to argue the fire crew have to stay outside until they see actual flames