It seems that prosecution of email fraud, spam, bank account hacking and Phishing is nearly impossible. Only a small percentage ever gets investigated.

Prevention would be a better solution.

I believe the solution is to charge a minuscule amount to send each Email like stamps required for postage.

If it cost a hundredth of a penny to send each email spammers could not survive and it would not harm people sending email legitimately.

How this could be implemented is beyond me but I believe it should be feasible. You can't mail a letter or send a package with out paying a fee.

Another thing I do not understand is how someone can clean out someone's online bank account and the final recipient cannot be tracked down. How can banks transfer money without knowing where it went? Why shouldn't they be held accountable for tracing the transfer to the end recipient or cover the loss?

This phishing element of spam is much more insidious that trying to sell something.

In other words, hold the service providers responsible for preventing the misuse of their services. They get paid for their services and whatever it costs should be included in the price.