Those cried the loudest before the SWIFT ban didn't seem to understand that sanctions aren't like rockets and bullets, they usually take time to work and the most effective sanctions aren't necessarily those that cause a shock - like a complete SWIFT ban would do - but those that slowly but surely cut off the air supply of the economy, strangling it to death. There have been also reports that Russians are already having difficulty getting cash from their banks and not just forex. Trade with Russia has pretty much come to a complete halt already also. The sanctions are already working, but that doesn't mean that you can't do more. You just have to be smart about it.