Interested to know, right now if someone spends laundered money in a legitimate business, does that business no longer get to keep the money?

And if someone personally gives you money that was laundered etc to buy a car from you for example, do you have to forfeit the money?

If not, why should it be any different with Bitcoin? But if so, why are people not more wary of the money they're accepting? Should we have insurance for this sort of thing?