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Honest question: are sanctions that affect normal citizens OK if it's through SWIFT?

In my mind that would cause the populace to be more frustrated with Putin for what he's done.

Putin will simply accuse the West of trying to make lives of Russians more miserable (technically it wasn't Putin who cut Russia from SWIFT) and many people will believe him, considering that thanks to fake news on state TV the majority believe the crisis was provoked by NATO. It won't work.

On the other hand, it will damage the Russian economy, which will in turn damage the Russian ability to field military forces.

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