Why we sometimes freeze or block accounts

I agree that the law isn’t the best in this area and could definitely be changed.

But there is a distinct difference between the bank Monzo freezing your account, and an individual “tipping-off” the criminal about a possible investigation. Whether the criminal can infer that he is subject to an investigation through the Bank’s action is different to an individual informing you. As far as I am aware, “tipping-off” is a personal crime.