Dont get why you would be smug about a country being forced to use alternatives to the corrupt global financial system, but this could be trouble in the future. If Russia makes a competing system to SWIFT then the entire (current) global financial system just got in trouble, because now there is an alternative for everyone who cant/does not want to use SWIFT. This would make "Banning someone from SWIFT" an order of magnitude less effective as a threat/sanction, including for Russia itself that now also gets to control the competitor to Swift.
Its not exactly unrealistic to assume that China and Russia could work together on such an alternative financial system.
That would be "bad" to put it carefully for the US and fellow western banking Globohomo in general. Its short term effective,
but its not the Russia "own" you think it is long-medium term.
Not that any of this would be bad imo, Globohomos Financial system is kinda fucked anyways if you have not noticed prices for everything constantly increasing.
Its just that that would qualify as a realistic Western, including American and European SHTF scenario depending on how badly our western-led global financial system would react to real competition from Chink-o-rubels .