Speaking for Germany: A culture of risk-avoidance, a different attitude toward money and (by) those who have it (distrust instead of veneration), a terrible bur

Speaking for Germany: A culture of risk-avoidance, a different attitude toward money and (by) those who have it (distrust instead of veneration), a terrible bureaucracy afflicted with paper document fetishism, significantly less venture capital per capita, lack of spaces to experiment - no "garage startups" because especially young people don't own/live in a house here, a focus on degrees, not entrepreneurial achievements.