It is always interesting to hear people compartmentalize certain unethical actions to make distinctions between what is acceptable in society based upon whether expected groups of criminals commit crimes vs when petty criminals commit crimes.
Thus your comment acknowledges the benefits of certain procedures on reducing petty crimes but actually allows for more institutionalized crimes to occur. You would think that the priority should be placed upon the largest crimes, right?
Interbank payment delays of several hours to days are a major inconvenience to customers and a drag on the economy. But, what crimes do they allow?