Actually, to a certain extent, yes, the electricity company is going to report you if you're using too much electricity (this is how pot growers used to be caught), and yes, preventing traffickers from using legitimate banking is absolutely a standard practice, this is literally why money laundering is a thing. Also, if you are stupid enough to get caught money laundering (people will proposition strangers/(young stupid people) and say "cash this money, I'll give you 10%") you'll be blacklisted pretty damn quick - literally penniless teenagers give away their entire future to these scams.