And that's again follows my point - regular French or Poles or Spaniards have zero influence on the German financial system even if they together would be a majority by the numbers and had a same opinion. While German financial system can mess with them if they wish so.

Basically current EU has huge gaps of accountability in multiple directions and areas, even compared to a typical elected oligarchy of the singular developed country. Multiple EU institutions are not elected at all and neither they are accountable to the citizens across EU.