if they do that theres no need to wait 5 years.
bullshit charge can be used to seize the account immediately.
They haven't managed to seize all of DPR's yet and he had semi-legit charges.
There isn't any bullshit charges that let them take monies as easy as wait 5 years that I know of.
My Uncle had $17,000 seized for the heinous crime of having $17,000 in cash. Obviously large amounts of cash money could only be used for illegal purposes and therefore were seized under RICO without any charge filed other than suspicious cash. It took just over 3 years and over half that sum to get it back. This was in the mid 90s.