No, the fruit store that I buy my vegetables from a few blocks away operates in pesos, cash. No dollars involved. In fact, there are very few dollars inside most countries. The fact that trade is denominated in dollars is irrelevant to the fact that some big bank just converts the local currencies directly and then settles accounts later. And increasingly less trade is even denominated in dollars.
But even then, using dollars doesn't prevent you from running a normal, non-scam business. The Panamanians do it all the time.