If you can"t use banks, just use BTC and be happy.
Except these's one
little big problem.
90% of the stuff you actually need to be able to buy are
not available for crypto.
For example - Service registrations, store purchases, gas, subscriptions all require cash or card.
Also, because there is no officially recognized way to withdraw bitcoins as RUB banknotes, peoples
BTC would be stranded in their wallets.
Remember that
BTC is not legal tender in Russia so this makes it at best severely inconvenient, and at worst impossible for the average Russian to buy stuff in Russia.
This does not even take into account that cutting Russia off of SWIFT doesn't even prevent Russian banks from servicing transactions to/from local merchants, so it is useless as a crippling tactic. Ironically, it would make it
harder for Russians to buy and sell crypto with cards and wire transfers.