Personally I would contend that none of that counts as "operating" in France or Iran. You're operating entirely in the US, and it would be ridiculous for Iran or France to try to subject you to their laws just because people who live in their country are communicating with you or sending you money. (Though obviously those people are still subject to the laws of their respective countries in what they're allowed to do when interacting with you, just as you are subject to US law in your interactions with them.)

Of course, the fact that something is ridiculous doesn't prevent a sovereign country from trying to do it anyway. Iran can threaten to assassinate you for communicating with their citizens, and France can threaten to jail you if you ever travel to France or extradite you. Both of those threats are unjustified in my opinion and should not be supported or condoned by other countries (particularly not the US), but like I said; they're sovereign countries so we can't do much to stop them if they want to be unreasonable.