next year there will be MiCAR so it should be the same for everybody in the EU.
None of govs have power over your own money. They do not have any jurisdiction over your own money. This is where many people fall into their trap, thinking that they have power. Govs can only say something about legal tender. Read again what I said in the guide.
speaking from a private person perspective yes, from a business perspective they will try to make your life hard