[rhubinak]

> This is my argument exactly. A seat gives a certain small amount if influence, the resulting policy will be an approximation of what is best for everyone. This may be pretty far from what is best for a developing country with fast growth if the majority is well developed countries with low growth.

The point is that all of the countries in the EU are well developed countries with similar growth and closely tied economies. The example you have given would be more accurate if you'd compare a 65yr old with 50k savings and a 55yr old with 40k savings. What would be the (ideal) alternative? Having custom currency with policy tailored for each region? Each industry? Each person? Sometimes there's more value in unity.

> You can get Euro denominated mortgages in Poland as well.

Have you tried getting one? I did. The bank deduces 10-15% from your income due to currency risk when calculating interest rate and max loan amount. There are plenty of folks working abroad and earning EUR instead of local currency. Ask them about their opinion on this.