This looks backwards to me as well. If the problem is fraudulent transactions occuring from those 6 countries TO other places, I'd think it'd be the 6 country account holders that would be required to have a business account in order to accept or send funds. If they have a business account, you have some recourse when they send out money or do transactions they don't have the funds to cover.

I don't see where requiring someone in the US to have a business account to send funds to Vietnam is logical.