This is called moral hazard, and the fact that this shit is going to blow up on all of the Finns' and Germans' face, is the very reason why I took my last EUR 30,000 out of the bank today (see pic). Now they can try to "tax" me bruahaha.
Without doubt, this is what should all Europeans do today.
But tomorrow rules may change and all paper EUR become useless. They can just prohibit paper money forcing everyone to use bank accounts only.