Try not to jump to conclusions to quickly!!
I am not exactly an "outsider"" (wooo...you make it sound a bit like Red neck country)...I have lived in Poland for a few years but I still run a polish business and my money is earned in zloty and my future commitments are in Polish zloty so my intention is that any money I make in Poland over the next 12 months I would like to keep it on deposit in Poland and earn the highest interest rate rather than convert it to Euro (I'm Irish not British hence the euro).
Lots of banks are offering 7-8% last time I looked so not sure where the 3% you quoted actually comes from.
As regards the Polish zloty, I don't think it will crash "as predicted" as you state...but I am a mere mortal and know little about currencies accept for what I read and according to Bloomberg yesterday
By Stanley White
Jan. 5 (Bloomberg)
The dollar, yen and Swiss franc may weaken this year
against 2008's biggest losers in the currency markets as the
global economy starts to recover, the largest foreign-exchange
strategists and investors say.
The winners will be the Brazilian real, Indonesian rupiah
and Polish zloty as investors return to higher-yielding assets,
according to Bloomberg News surveys.
....but hey, what do they know :)
Finally...what’s wrong with NR...absolutely nothing...now that it's government guaranteed....but try telling that to the people that had deposits there prior to government backing.....it was a nervous few weeks. I don't want to go through that experience as there is no guarantee that the Polish government will do the same if one of the polish retail banks gets in trouble...not that I think it will but there are a few banks that are really struggling in Poland at the moment.
So...if by any chance you have the info I was originally asking for then I would be pleased to hear it.