The premise of a Western justice system revolves around protecting society by deterring crime, or punishing bad people, or rehabilitating bad people so that they will not commit more crimes. If someone didn't have an criminal intent to begin with, though, then they cannot be deterred by the law, they're not bad people, and they don't need rehabilitation.

Your proposal is a pragmatic way of making it easier to convict people you're unwilling to presume innocent - which is why you identify "banksters" as your preferred bad guys, where you can presume guilt.