I agree with you, to add my few observations. I’m Pole, living in Germany since 2017. What is characteristic here is: physical money is more than habit. Even after so time under Covid in some places w/o cash you will buy nothing. Current times pushed more people to use cards or EVEN (sic.) phone payment (nfc). People are fully sounded by insurances. Lack of willingness to risk is highly related with why in Germany rent is more common, than loan for “own flat/house”. Also going more into question due to history “left side” is more popular. Same for dislike for National related things. There is reason why German police or army has so few candidates. I’d say Germany (as culture & country) is really unique, what leads to situation that many people are active in OSS.