As far as I am concerned you have to prove knowledge or knowing participation in such cases. The purpose of BitcoinFog is to make your bitcoins anonymous from their source, there is nothing illegal about that in of itself unless you're a business and have to abide by certain data retention laws in some cases. If 1 person at a bank committed fraud it does not automatically mean all account holders can be charged, nor does if the bank commit wrongdoing such as the HSBC money laundering case does it mean the account holders or employees are responsible.