Entrepreneurs need to be confident that the rule of law will be observed
Which in turn makes people set up business in Slovakia and the Czech Republic. PiS are well known to have a deep hatred of the self employed classes (just like the PZPR did, in fact), and the latest talk is of forcing them not only to pay 1100zł a month minimum for ZUS, but also to hammer them with a proportional tax on top.
Entrepreneurs don't care whether they borrow from a Polish-owned bank or a foreign bank, they just want the best terms and the best service
I'd say for the vast majority of people, the best terms and the best service is what matters, which is why I use ING. If PKO or the new PZU super-bank offers better terms and better service, I'll use them instead.
And "repolonizing" banks is less important to entrepreneurs than rule of law and predictability.
Worth pointing out that the PiS banking and insurance tax has caused PZU to declare quite openly that their plans for creating a banking and insurance giant are now on ice because they're going to lose a significant amount of money. It seems that PiS, yet again, have decided to screw over domestic companies.
Who's to say that respectable businessperson employing 14 people won't be targetted by the government as part of the "układ"?
Of course they will be targets, especially if their owners are politically active.
many young Poles would rather work for foreign companies (so hated by PiS) because they're more likely to have clear guidelines for job evaluation and promotion
Polonius doesn't know anything about this, because he's more familiar with how things worked in times of...yore.
I know a great example - I've got a friend that worked as the accountant for a company producing stuffing for furniture and mattresses. It's a mid-sized company, about 70-80 working there as well as temporary staff on top. The old finance manager was retiring, and given that she was his deputy, it would be logical for her to step straight into his position. Instead, without even so much as a discussion, the job was given to someone from outside - who, of course, was actually the cousin of the HR manager. When she pulled the managing director up on it, he told her that she wasn't suitable for the job. No explanation given, no attempt to provide feedback, just a straightforward "deal with it".
And this attitude is exactly why people avoid Polish companies, because this sort of behaviour is routine and commonplace.
That's a totally critical issue for the whole economy.
It's only critical because PiS want to tax the hell out of the "Polish" banks, and foreign banks will resist such attempts. Who pays? The Polish person. PiS are very, very good at finding underhanded ways to extract money from the common Pole.