I get it, your mental model differs, and that’s fine. The tools exist and can be used. They could start by blacklisting the BIN of any federal government payment card, and tighten further iteratively based on continuous monitoring and ground truth acquisition. If aggressors have to start carrying large quantities of cash around to operate, sounds like that’s going to be an operational risk.
Federal supremacy is based on respect of their authority and providing them material support in state through economic exchange. Revoke both and they are powerless on the ground, and are at the mercy of the locals.