The difference Shirley is that with a trust the Trust has legal title to the goods but the trust benificiaries have beneficial ownership, i.e. they have the right to use the asset but do not legallyown it.
If the a/c is owned by a US corporation that complies with the rules then the beneficial owner is not legally protected. Fine if you have a relationship of trust between yourself and the person who controls the US corporation, but if you don't have a relative or someone else you are willing to entrust with ownership of your asset who is a US citizen then a Trust is the vehicle to obtain the use of the asset and reduce the risk.
Trusts cost money to set up and run, they wouldn't exist if there was no need for them.