There's a surprising number of people in the West who legit think that the war can be stopped if us Russians are upset enough with these kinds of otherwise pointless sanctions. That we'll go tell our government that it's not doing the right thing. Because of course that works, right? Of course that never got anyone's life ruined, right?
The government or the people?
The financial sanctions are not about you. They're about constraining the resources of a genocidal mafia regime waging direct war against its neighbors and hybrid war against "The Collective West(tm)".
With that in mind, a far better argument in favor of loosening sanctions to allow Russians to spend abroad is that those foreign currency outflows will put further pressure on the ruble and Russia's limited forex liquidity.
Bitching about sanctions is ultimately pointless, though, as CBR would almost certainly restrict foreign payments on their own even if sanctions weren't in place, exactly because of those financial constraints.
Ultimately your payments problem boils down to Russia wasting all its resources and potential on a genocidal war of imperial aggression and that is what you should spend all your energy to address.
Putin won't be in charge forever, and they can stop the war literally right now by ceding some territory to Russia. After which NATO membership can be given to Ukraine. No more sanctions for our Russian HN members.
The problem I see is that there's no process going on to evaluate whether each particular sanction has its intended effect, and repeal those that clearly don't.
Like it or not, if you are in Russia you are making a political choice to be part of this regime. You contribute to its economy and tax base and contribute, directly or indirectly, to an organization which is right now committing atrocities in Ukraine to steal their land and children and erase their history and culture.
When I look at the injustices that exist in that part of the world, the plight of the well-off holidaying Ivan from Moscow or Peter ranks near the bottom of my list.
What's more, the relative volume of Russians' complaints about sanctions compared to the (almost nonexistent) volume of Russians' complaints about the wide-scale torture of Ukrainian PoWs, systematic kidnapping of Ukrainian children, murder and 'filtration' of civilians, etc. reveals a disheartening reality: Russians only care about themselves.
So why should we care about them?
Any time or energy spent worrying about Russians is far better spent worrying about Russia's victims: Ukrainians.
People who travel or shop online often, or have to receive payments from abroad, have all got themselves accounts and cards in foreign banks. I did, too. In some countries (Kazakhstan, Georgia, Indonesia, Turkey) some banks would open an account and issue a card for you even if you're not a resident.
* except several "friendly" countries that still accept Mir cards, like Armenia. Russian Visa and MC are truly useless abroad though.