I agree with you in theory/academically but disagree with you that the difference matters in application. The only difference is the force with which the dissenting or economically weaker parties can be dragged by the majority; in both cases, the dissenting are still getting dragged (and drag applied to the majority). There is no appetite in either case to dissolve the monetary union. Witness how poorly it went for the UK leaving the EU, and that’s with maintaining their own currency.
In the UK much of the popular support for the EU was from people looking to escape their own god awful politicians, that things didn’t go well after leaving, due to the same god awful politicians, wasn’t a big surprise. Technically one way to fix it would be to elect better politicians, but it’s the UK so that doesn’t seem to be an option.
