You don’t just have to explain it, you have to hire a lawyer and take them to court to prove it, which is opposite of every other law in the country where you are innocent unless proven guilty.
I’m not agreeing with it, but if I had $100k in my back pocket I would know how I got it. Like I said, the article should have focused on normal people with reasonable and understandable amounts, who probably wouldn’t be able to afford the court costs either.
The point is, that’s not enough. You have to prove it in a court of law. Which, for $100,000, might cost most of that $100,000 and years of time.
There have been some clear-cut seizure cases where the legitimacy of the money was obvious and it was either not worth the legal fees to clear up or simply insane to clear up. We are a “reasonable doubt” country for a reason, and if you can’t prove someone came about their money illegally, you shouldn’t be stealing it from them.