There is a somewhat famous case in Germany, where an elderly couple's house got sold without them knowing, because someone changed the paper deed, and some scummy business man confirmed that he got the money in cash.
They better introduce systems like this in Germany too, but they rather drown in mafia related crime than admitting that their analog way of doing business and clinging on to cash is a mistake.
Not every country in the EU (27 countries) is also in the Euro area (19 countries) - some still have their own currency.
Interest rates for commercial banks are probably a little under the national banks' rate, which in turn is dependent on the inflation.
I have spent more than 10’000 hours in DotA 2. You do not get banned for a single game no matter how bad you perform.
It has to be on a very regular basis, and even then you probably first get put into low priority matchmaking as your behavior score drops. Banning accounts usually only applies to cheats or buying and selling accounts.
You are technically correct. I got limited into a different matchmaking system than my friends. But the end result was that I couldn't play with them anymore.
