Purely hypothetical, but let's say either Betnomi or ChipMixer does money laundering (without the acknowledgement of their campaign participants). Are participants considered guilty, from a legislation point of view, for accepting laundered funds?
Most of the large banks in my country have been found guilty of money laundering. The banks paid a fine, management collected their bonuses, and that's it. The end.
I think it's not the best way to look at it as it would be fair to say that (at least in most places) the treatment of banks in comparison to the treatment of people in regards to most crimes are in two very different realms. Banks commit monstrosities and get fines. While sometimes even innocent people get time. Point being, a person who does happen to have legal troubles shouldn't expect to get a fine in a situation where bank would.