how do you imagine a day to day interaction would be wildly different if the countries had culture in your opinion? let's say you go to a bank to do some business with a bank clerk. how is that supposed to be wildly different? do you have to do a 3 hour long dance in front of the clerk and then lick your own feet clean while simultaneously whistling the national anthem of your country to be accepted as having culture? no. a visit to the bank goes the same way in every country because it's not a cultural affair, it's just handling business.
Finland