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RE: Russians and Belarusians citizens should NOT have their accounts frozen.
Well from the West's perspective, we have cut ties with them...
From their perspective, they cannot relit on anything coming from the outside as you said their money makes everything imported so expensive.
They still do have a lot of ressources and minerals that they can export to get some foreigh currency (USD, Yuan...) . But this is gonna be very tough on the average Russian.