It is not that straightforward, but as general statements go, you are not wrong. The issue seems to be that the government lately ( via various distributed actors ) has recently deemed some entirely legal transactions unsavory, which then banks/processors and so on deemed as risky and then those unsavory yet not illegal transactions become defacto verbotten. I hate to say it, but it really is one of those 'the tighter you grip' situations. Case in point, one few years ago, most people did not know what SDN list or OFAC is. But now more and more customers, and not just business customers seem to be aware of how expansive BSA really can be.