The thing is: all the horrific crimes you name are what the authorities need to go after. Auxiliary laws about money laundering are designed to make their job easier, and the authorities are so focused on chasing the criminals that they do not care about the collateral damage that these laws cause.
It's really no different that the law that makes it illegal to lie to a federal officer. The FBI is the classic example, because only the FBI is allowed to keep a record of what you say. That record is not objective, but instead consists of handwritten notes. They use this as a tool to force people to confess to crimes, or to testify to whatever the FBI wants them to. A very useful tool for the FBI - and one that has screwed thousands of innocent people.
The same for "structuring" bank transactions. If I choose to make two $9999 deposits into my bank account, this may well be prosecuted as a felony, even in the absence of any other criminal activity.
Law enforcement has an important job. However, they should be able to do this job without all of these secondary laws that create crimes where none exist. If they cannot, then: better a ten guilty people go free than one innocent person go to jail.