Simply put the US government can and does deny access to the SWIFT payments system, deny access to the US banking system at home and overseas, and more importantly it can deny access to both systems to any bank that does business with Iran. Effectively that cuts off Iran's access to US dollars in large amounts.
There are ways around this, but it makes things a lot more difficult. If you want to use kinetic means, Iran is easily blockaded. Nothing goes in and nothing in large amounts comes out.
Trump doesn't seem to have a lot of diplomatic skill and prefers to insult and spit in their face, which is why you like him.
BTW, a blockade is an act of war. It would not just cut off the flow of Iranian oil, but all oil that is shipped from the Persian Gulf. Now you are talking $250 oil.
You need to face reality. Trump is just blowing smoke up your rear-end-ski.