Yeah no I can see the difficulty it causes if for whatever reason you are “suspected” and you haven’t done anything, you can get in the lurch.
Its a difficult one because if (speaking holistically about the law) enforce on a “suspicion” to withdraw the risk of false positives, how many instances of money laundering, terrorist funding, fraud etc would you miss, or allow to operate for that little bit longer.
It is a really hard decision to make - glad i’m not the one making those judgment calls!