Also, in the 4th amendment EFFECTS is the same as PROPERTY.
You are correct. This civil asset forfeiture is the stuff of nightmares.
Decide to carry a large amount of cash? Better be careful not to draw the attention of the police. Even a simple traffic stop for speeding, and the entire bankroll could be seized. The burden of proving it wasn’t drug money, including legal expenses, fall on the property owner.
Loan someone your car? Think again if there is the slightest risk they might drive drunk, or say goodbye to your property!
In this age, no one is innocent. There are so many laws, we are all guilty of breaking at least some of them. With civil asset forfeiture laws and ridiculous SCOTUS rulings upholding them, none of us a secure in our property.