I think that they've banned US IP holders, not US citizens ;-)
Steem is not decentralized - the whole thing is being controlled by probably a dozen accounts with wallets thick enough to vote in/out any witnesses they want.
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They banned US citizens and enforced that by banning US (and a few other countries) IP addresses . In regards to Binance, they are building US specific arms to their services.
A (whole) dozen? I thought it was less 😒
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You know and I know that this sort of ban is like token compliance... Anyway, if normal exchanges are killed by over-regulation then there would be dexes, and possibly also dexes set up on the TOR network to fill the gap.