Most likely what Google is doing, is dancing in the gray area. For example, is it criminal when PayPal hits you with a chargeback because a customer lies about x y or z? Given their size there's no question they do that a lot. Google would argue their business choices, like shutting down someone's wallet account (with money in it), falls into a similar category of business discretion - rather than being criminal.

This is why almost all of what the SEC does is civil enforcement, fines, etc. In business there are almost always cases of financial loss due to ignorance, incompetence, discretion, risk taking and so on - most of that is not properly going to be criminal, but rather civil.

Were Google doing something inappropriate in an area involving business discretion, the government may decide it's not ok, but not criminal (eg lacking the intention to defraud). In that case, they'll typically try to put a stop to the behavior, and use fines to do so. At times it can be incredibly difficult to show a company is intending to defraud its customers, the Feds would need a hard trail of evidence (emails, communication, etc. showing Google was trying to defraud customers).