> One thing I understand about Western European culture is that they will never tell you no outright as it is rude to do so. Any sort of hesitancy is to be construed as a no and unlike America/East Germany or Scandinavian countries tough to get a straight answer most of the time.
This is a ridiculous overgeneralization. If you compare e.g. the Dutch with the Southern U.S., you'll find the Dutch are much more eager to directly tell it how it is.
>> if Russia is kicked off SWIFT, it would be removing any sort of restraint they've displayed so far.
I don't think they care much about that. They have already assumed they would be. There are several other options for them. It most hurts Europe and their investments/payments, as well as our intelligence tracking of high net worth individuals.