While unanimity may be justified when a new financial mechanism is created, as is the case with institutions in general, it becomes a nightmare when it is needed for each and every decision. In international financial institutions, such as the IMF, majority is the rule. Crises cannot be managed by unanimity.
A fourth difference compared with the US is that society here is on the whole less financially sophisticated. Financial markets developments have a less direct impact on the lives of ordinary European citizens.