A statement made from either privilige, ignorance or both.

Just because you might agree with the actions and behaviour of your current government enough, that you don't mind them being able to have a hand in your currency, doesn't mean that can't change.

Not all governments are good, trustworthy or even exist at all. For people in an oppressed or even full out broken society, being this level of criminal is acceptable.

But yes, something used to work around bad governments, will also be used against good governments. Every legit tool can be also abused.

> a criminal wanting to prey on others risk-free

E.g. a Chancellor on brink of second bailout for banks?

So, in your mind, making a payment, recieving a payment and holding money in savings are always bad when it goes against any government's law or order?