This is just plain wrong or a terrible misinterpretation...

> central banks

What are you trying to say here? Each member state has a central bank. They are independent from, coordinated by, the ECB. Each central bank assumes the responsibility of regulating the member state's banks, with the ECB paying close attention to system-critical banks.

The US also has a central bank, singular, the Fed. What's your point?

> no local culture, blur national and ethnic identities

Have you been to Europe? Each country has it's own, completely distinct culture based on the nation's historic identity. Hint: you know when you're crossing borders (the language usually changes).