The significance of this particular comment is that a 'money mule' using their personal account will quite often only receive one payment before it gets shut down and closed by the bank/authorities. It was reported by the UK banking authorities that in eight months of last year they shut down 20,000 such accounts and it's most likely that the account holders were black-listed making it difficult or impossible for them to receive financial service from any other providers.
A business account is much more useful and valuable to criminals simply because it's much more difficult to spot unusual transactions among a greater volume of commercial transactions. The trouble is that the risk to the 'money mule' is very much greater as this news item reveals.http://www.buryfreepress.co.uk/news/crime/redgrave-man-is-ordered-to-hand-over-remaining-assets-after-being-jailed-for-conspiracy-to-defraud-1-5863918
The criminals need an established company through which to launder high volumes of payments but the 'money mule' has nowhere to hide and is very likely to face prison.
A Redgrave man has been ordered to hand over his last remaining assets because of his involvement in £5.7 million worth of fraud........... was jailed last year for five and a half years at Ipswich Crown Court after being convicted by a jury of two offences of conspiracy to defraud.
The money mule loses his company, his freedom and all his assets.