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That may be the case today. But when I left a quarter century ago, it wasn't like that. I don't remember the specifics, but I would have ended up paying some thousands of dollars every year.
A country that's gone rogue can't strongarm another to deport their enemy citizens living there back home if they're not citizens no more.
I fully expect the Trump regime - or whichever new Trumpesque dictator replaces the orange buffoon when he kicks the bucket - to come after expats it deems treacherous or enemies of the state or something. I'd rather the US can't legally demand my repatriation.
The fewer ties you have to the US, the better. It was true before, and it's especially true now.
The other reason is, a lot of foreigners - like, a LOT - don't particularly like Americans, even the friendliest ones. It's easier not to be an American than having to prove you're one of the nice ones all the time.
I never had any problem. But remember, it was a long time ago. Things were still pretty chill in the early 2000's. You could literally walk into a bank and open an account in 10 minutes with any ID that looked legit 🙂 There was no KYC or anything like that, and banks mostly cared about whether you had money to deposit. I mean not quite 80's like, but nothing like the stringent dystopia of today.
Also, I had citizenship from a EU country, so that helped.
It was like that a quarter century ago.