I still don’t fully understand the logic behind the banks investigating money laundering and.m withholding money. If I am laundering money, report me to authori

I still don’t fully understand the logic behind the banks investigating money laundering and.m withholding money. If I am laundering money, report me to authorities and give me my money back, if I need to be fined or have to respond for a crime, I respond to government not a private entity