>>No, the gatekeeping is done by local banks and governments to protect their oligopolies/cartels.
If you are pointing the distinction between gatekeeping at the EU level and country level I am not contesting that. It's clear though that the gatekeeping is the problem here (and in many other industries in EU).
If you are pointing the distinction between gatekeeping at the EU level and country level I am not contesting that. It's clear though that the gatekeeping is the problem here (and in many other industries in EU).