> You cannot accidentally commit a felony
You cannot but laws around forfeiture are weird. If what you own was involved in a crime it can be forfeitured even though you yourself are not charged with anything. And yes, that includes money too. It's from drug laws but I'd say it would better applied here.
> What you are suggesting would substantially impede legitimate commerce
Maybe it should be a bit impeded if unimpeded led to national crime wave.