Again, how exactly do you define money laundering? Currently the definition by law seems to be, "anything that could be used to hide criminal activity." In that case, yes, there are plenty of legitimate, non-criminal reasons to make transactions that "could be used" to hide criminal activity. Is privacy a crime?
I'm pretty sure money laundering at least requires intent.
Doing anything to intentionally avoid triggering scrutiny policies is a crime, even if you're not doing anything else wrong.
Unfortunately, we run into the same problems as DMCA where hugely powerful, essential corporations run into poorly crafted laws that don't function at scale, and small users that never did anything wrong get shafted.
