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It also was a European move the US tried to undo in Trump-Putin negotiations before they realized they had no say in it.

SWIFT is Belgian.

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It's the right move if you want to spur on multipolarism by causing widespread distrust in a Western run global financial system. So in that sense I'm glad the US-led West has accelerated that process.
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You need to draw red lines somewhere. If you wage attack wars on other countries or reject our shared values, you can't be part of Western society or enjoy its amenities. Don't do that, and you can. It's that simple.
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You mean randomly attacking countries like Venezuela or Iran?
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Honestly, I don't really consider the USA a western nation anymore in the sense that European nations are.
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