Sounds like you are a Peter Zeihan fan!
Regardless, my fellow-Canuck, you are woefully behind the times if you think BRICS+ is a do-nothing talkshop. While they most certainly were in the past, the Biden Administration’s weaponization of the US Dollar and punitive sanctions against dozens of countries for not toeing the pro-LGTBQ+ line and US foreign policy means the BRICS+ nations have no choice but to work together to avoid hanging separately. That creates highly-motivated people willing to sacrifice to survive.
The smart thing is to diversify: have some assets within SWIFT and others outside of it. Haven’t you learned the lesson of our Glorious Leader freezing the bank accounts of the truckers and their supporters?