Germany and France have much better reason to actually defend Finland. The Euro.
Basically if a Euro country gets invaded and the other countries do nothing that crashes the value of the Euro which would destroy the economies of the other Euro countries. And the non-Euro EU countries have a good reason to follow the same logic as Euro crashing would also destroy their economies.
Also agree. It's also an alliance mostly built on trade and laws, with some intelligence thrown in if the parties feel like it. The EU has stayed away from military allegiance.
The EU itself has no military but its member states do and are obligated to help if a member is invaded
"If a Member State is the victim of armed aggression on its territory, the other Member States
shall have towards it an obligation of aid and assistance by all the means in their power"