That is just the tip of the iceberg bro. If we will have a full exploration on all transactions around the world, a lot of these frauds are inside banks.
And then we start counting all the mafia and syndicates that do their illegal transaction using fiat in underground places or anything hidden.
Governments don't mind that at all, and I think they even incentivize banks to keep serving the underworld.
Banks keep providing banking services to the underworld because it's extremely profitable, and the 'mega fines' they have to cough up are a joke compared to the profits they make. Banks consider these fines to be collateral damage and are calculated in already. Governments know that and use these banks as cash cow.
They could end it by increasing their fines by whatever insane percentage, but they don't because they know that banks will stop serving the underworld, and that means no more fines to throw around with.
It is actually a fact that most scammers and criminals prefer the use of bitcoins for the sheer reason of covering their tracks but one cannot deny that when bitcoin and cryptos weren't invented, banks were and they still are the main way that criminals are able to funnel their money. The banks tend to turn a blind eye to it because of the immense profits that they make as a result.