You mis-construct law enforcement / crime prevention. First, it's never about solving all crimes committed by "bad people", the first priority is to show a big

You mis-construct law enforcement / crime prevention. First, it's never about solving all crimes committed by "bad people", the first priority is to show a big red lock everywhere sensitive so that your nice grandma doesn't go "oh well, the door is open and nobody's looking, might as well go see what's in there". Opportunity is the biggest driver of crime in humans, and it would be unmanageable not to have those sanction regimes in place, just as if nobody had door locks. Second, they need to make it illegal FIRST, or there would be no sanction evasion crime: if they don't act all naive and say "you cannot have an account here at all", then having an account would be fine... now the criminals need to cheat and lie, which they can be charged for. Finally: not all crime will ever be punished and there's definitely a cost calculation: do we want to take fingerprints of all clients in banks to match them to a central id card database, to end up with criminals infiltrating the fingerprinting system anyway and everyone else having to do those dumb fingerprint checks for nothing ? Better keep it simple while the criming stays manageable.