Conclusion: What I did is just a precaution. The bank does not pay me anything for keeping my money. I lose nothing if I take it out. I will spend it in my business in approx. 3-4 weeks even if nothing happens. If everyone did the same, there would be same hell here as in Cyprus.
Are you saying that banks don't pay interest in Finland or that the interest is at or below the rate of inflation so the interest doesn't stop the real value of your savings from decreasing?
I think for regular people it's around 0.250% for spending accounts.
Of course you have saving accounts with better interest, but then also can't use at any time.
EDIT:
For my bank if minimum balance is over 5k, the interest is bank's prime - 3%... So 0.250% really...