Slightly more complicated, but not by much. It's not clear to me whether not talking versus explaining the situation would help or hurt your chances of keeping your money, but Civil Asset Forfeiture seems counter to the rest of the ideals of the US judicial system.
They need to be able to say it is "more likely than not" related to a crime. If there is a hint of weed in the air, the officer claims your pupils are slightly dilated, and they notice a lighter and a generic plastic baggie in the car, that might be enough to be able to confiscate the cash in your vehicle and the vehicle itself. The "hint of weed in the air" and "dilated pupils" are subjective and leave no physical evidence. The lighter+baggie aren't exclusive to marijuana, but they are considered paraphernalia. Also, having more than a few hundred/thousand USD cash has been considered more evidence of a crime in past cases (although I don't see how it could be).
And remember that there's probably a reason why you were approached by the officer, so they (or a prosecutor, if you've been arrested) will likely threaten you with more charges if you don't sign a waiver[1] or just lighten your charge sheet if you agree not to challenge the forfeiture.
And cash+vehicle confiscations usually happen to people driving through other states, so it's hard to get legal representation and it's usually pretty difficult to coordinate a legal case from out of state.
> When out-of-town drivers who felt victimized by a Tenaha forfeiture called local lawyers for help, their business wasn’t always welcomed. “That’d be like kicking a basket of rattlesnakes,” one defense lawyer warned a forfeiture target.[1]
Everything about Civil Asset Forfeiture has a bad smell. I wish we would just roll it back. It's a perversion of justice to allow the same government organizations who confiscate property to profit from the confiscations.
