I am a law abiding citizen that is being treated like a criminal.
If you don't file a US tax return, you are not abiding the law. Is that too hard?
I do file taxes with the US. I pay taxes to Norway. I do not make enough money, not anywhere even close, to meet the requirements to pay more tax money to the US. But I do file every year. There are a couple million Americans living outside of the US. Most of us are not "rich".
Once the banks have information of suspected Americans, this information is also turned over to the local government. Then round up the Americans and hold them hostage until someone decided to trade a few more terrorists.
Point to an example of this actually happening instead of just in your fraidy cat mind.
Ever heard of Nick Berg? How about Eugene Armstrong? Try Google.