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![](https://beehaw.org/pictrs/image/3f6f8c7f-8f4e-48a6-b56f-748fb4d05eb0.png)
at the moment every single counrty must agree to a decision
The EU treaties have already changed, so that many decisions can be made by qualified majority.
Unanimity is only still required in certain fields:
https://en.wikipedia.org/wiki/Voting_in_the_Council_of_the_European_Union#Unanimity
That has already become outdated, at least according to some economists.
Banks can just create loans out of thin air without having to check their own reserves first.
https://en.wikipedia.org/wiki/Money_creation#Credit_theory_of_money