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Why would the US and EU installations have different code or database schemas?

Due to the strange syndication/franchise model that Riot has used in the past when setting up in regions other than North America.

If I remember correctly the franchisee gets source access and can write their own game lobby code if they like.

Exactly this. They did the same thing with Ten Cent in China, I believe.

which is a terrible decision for users that registered before EU exists, just in case you have similar buisness plans.