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Harm their credibility with who. The US, Russia, China. Who exactly are they worried about upsetting.
Everyone who banks with European financial institutions, so most of the world.
No “most of the world” does not bank with the EU. Switzerland but not the EU. As of 2021 you barely hold 12%
https://www.eba.europa.eu/publications-and-media/press-releases/eba-assesses-market-share-non-eu-entities-eu-banking-system#%3A%7E%3Atext=As+of+June+2021%2C+their+market+share%2Cother+financial+corporations+as+their+main+counterparties.
This shows assets by size which will tell you how much there is in the system but not he number of customers. People don’t keep all eggs in one basket.
No one gives a shit about the coins at the bottom of the purse. Authoritarian regimes should be weary and uninterested in investing in the EU anyways lest you encourage their regimes.