The vast majority of member states of the EU do not get a vote, either way. The only country that ratified the Treaty of Lisbon by referendum was Ireland, due to a requirement in their constitution for a popular referendum on such matters. And they were forced to revote due to the first vote being “no”. In the European Parliament, nobody has the power to write any laws—that power is held by the European Commission, which is also the executive body (i.e. no separation of powers; Montesquieu would have a fit).
Yes, nobody has to take a bailout (which are loans and not grants); but look at the record. Ireland’s government was highly resistant to any loans to bail them out, and that resulted in the government falling and being replaced with a government that was willing to take the loans. Same thing happened with Portugal and Spain. Both Greece and Italy were worse off; they have had their prime ministers appointed for them by the EU in order to artificially create governments that were receptive to bailout loans. Definitely a power play from the top, FWICS.
The USA isn’t a member of any imperial-like socialistic body with the cohesion of the EU, but we do have our own socialists that are bent on wrecking our economy (via borrowing, spending, taxation, welfare giveaways, illegal immigrant amnesty ad nauseam), mainly because the USA is still seen as the last major opponent to world socialism.
That is the people in those countries fault. If a government falls it means it lacks popular support in said nation. The bailout position became more popular among the people, and the result was a pro-bailout government.
No one is forced to stay in the EU. No one has to take bailouts. A country like Greece could pass on the bailout and leave, instead they chose to take bailouts and stay. It is what it is. The people are responsible for their own government.
The USA isn’t a member of any imperial-like socialistic body with the cohesion of the EU
The individual American states are - it's called the US federal government. Wherever possible the Democrat party prefers taxation done on a federal level to prevent some states with low taxes from being more competitive than the more socialist states. They do the same thing with regulation. The left much prefers that the US federal government mandate environmental rules through the EPA, for example, than fight for them on a state level. This is because they know those rules cost money and would make the states that don't enact them even competitive. The goal of the EU is essentially the same thing.