It is trivially easy for nation states, non-nation bad actors, etc. to use US payments. I'd guess that most of the financial scams targeting Americans rely on US-based mules and their American bank accounts.

Also, foreign nationals legally residing in the US can have access to US-based payments. There's no way when accepting a credit card payment from a US card issuer to ask whether the card holder is a natural born citizen versus Green Card holder, etc.