I think you've set up a false dichotomy here.

Fraud and money laundering should be blamed on the people doing the fraud and the money laundering.

However, there's no reason we can't also blame facilitators of fraud and money laundering for facilitating crime.

A pawn shop can be a totally legitimate business. And thieves should be blamed for their thefts. But if a pawn shop is profiting from moving stolen goods, that is also wrong. When asking "who's to blame?" between the thief and the fence, there's nothing stopping us from saying "both".