From the demand side, the big barriers are the lack of awareness about financial services and products, limited literacy, especially financial literacy of the populace, and social exclusion. Many of the generic financial products are unsuitable for the poor and there is not much of an effort to design products suitable to their needs.
President Juncker was one of the most consistent and influential advocates that Greece could solve its fiscal problems within the Eurozone, rather than outside, as some sadly wanted at the time. He strongly resisted the idea that Greece should be sacrificed like Iphigenia to allow the fleet to sail.