Bank KYC is a bit different. A bank, certainly at this level, is supposed to know who you are and where your money is coming from ahead of setting up the account. They have to satisfy themselves it’s a legal source. If they become suspicious, they should tip off authorities who can investigate etc.

At no point here can the bank judiciously freeze your assets. All this should mostly happen before the bank even touches your money.

This has zero, nothing at all, to do with "guilty until proven innocent". Anonymous banking is simply not allowed anymore, because of literally trillions of dollars in crime money going through Switzerland. Now you are legally required to know your customer, even in Switzerland.

Forcing banks and customers to obey financial disclosure laws and punishing them if they break the law is how the law works.

If you or I walked into a bank with tens of millions of dollars in cash, we would be asked to show ID, and information about the deposit would be sent to the government because it's the law.

It strikes me that you just don't like the law and instead of saying that, you move the goalposts and pretend the law itself doesn't exist.