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I know that, so do criminals, which is why they either open fake accounts with stolen personal information, or ask someone to "lend" their account, which they use, draw all the money and then pay the account owner. That still leaves a partial trail, but police often has more pressing crimes to investigate
Welcome to Brazil, where crime is 5 steps ahead most of the time
In my country the account owner will get 2-6 years of prison for money laundering, so nobody would "lend" or rent that. Unless it's stolen identity, and then if widespread the bank will be responsible for having weak KYC procedures (for example ING bank, with a worldwide revenue of 18 trillion, was banned from getting new customers in the country for around 5 years because they allowed to open online accounts too easily)