Today only banks have ECB accounts. It allows individuals and regular business to have access into central bank money directly. (it's not mentioned anywhere,

Today only banks have ECB accounts. It allows individuals and regular business to have access into central bank money directly. (it's not mentioned anywhere, but if ECB wants to do quantitative easing in the future, it could give every EU citizen 100 EUR directly, so called helicopter money. It would be the most effective way to do monetary easing and would allow many negative effects of QE trough banks)