criminals are not always bad people: https://www.youtube.com/watch?v=VrFs2_uhz-o

and to break it down lawfully or/and morally bad:

  lawfully bad, morally bad = bad and crypto is one of the major tools in your arsenal

  lawfully bad, morally good = neutral, but you are a prosecuted criminal, crypto is helpful for you but there are alternatives

  lawfully good, morally bad = bad, but not a prosecuted criminal, crypto is not that useful for you

  lawfully good, morally good = you are not a criminal, crypto is not that useful for you

Laws at least have the advantage of being written down. Morals are different for everyone and not constant in time even in a single individual.

Laws aren't always written down. A good example is what happens if you criticize Israel - the government, if it notices you, will come down on you like a sack of bricks, even though there's no law that says "don't criticize Israel". https://youtu.be/zJt3omLLAuA

Likewise, there's no law saying "don't accept payment in Monero" but you may be jailed for money laundering if the government notices you.