Actually by your definition I think RICO fits really well, RICO is for anyone who participated in the criminal enterprise (so not just the leaders of the organization) and to my understanding it is primarily to trump up charges against them to hold them accountable for the crimes of the organization.
That being said in general we don’t really go after the secondary effects of white collar crime the same way we do with violent crime.
You have it right but the part in parenthesis is backwards. It was originally used because we were only capable of prosecuting those who personally committed the crimes. We could not charge people who directed those things or paid for those things until RICO. It then followed though that you could use it in the reverse, like what you said, so you aren’t wrong.