I mostly agree with the central idea of your post about AML.
Yet, I think that "equality" could be a much clearer word in that context than "social justice", which is a very common but quite confusing concept, as one might think considering its religious origin (from a Jesuit priest).
Confusing also because (if we dont turn to religious beliefs) justice is always a "social" idea, so its a redundancy.
And finally because out of a legal system nobody can give a minimally precise and not circular definition of what "Justice" is (apart from stating his personal opinion about what considers just or unjust)... this problem dates back to Roman Law times.