They don't get in trouble because you can't abuse a utility to launder money. The onus is on you to provide an example here. You only need to look into your cu

They don't get in trouble because you can't abuse a utility to launder money. The onus is on you to provide an example here. You only need to look into your customers to the extent required by law; beyond that it's not your problem. In your example with an intermediary a failure to report suspicious activity could potentially result in you being viewed as an accomplice.