Keep your money...we don't need it....or want it.
Most europeans do speak english as a second language...so you wil be alright...although it might be better if you pretend you are Canadian...many of the nations you mention are quite hostile to the US and her citizens.
I'm very familiar with Europe - I lived there for three years. As an American, I feel quite comfortable traveling throughout Europe, and never have had a problem identifying myself as, not only an American, but also as a Texan.
As far as friendliness - I'd rank my experiences in Europe in about this order (with 1 being the most friendly):
1. The Czech Republic
2. Slovakia
3. Germany
4. Belgium
5. Poland
6. Holland
7. Switzerland
8. Austria
9. France
I haven't yet been to the UK (layovers don't count), but my husband has spent a lot of time in the UK and the Scandinavian countries, as well as most of the countries I've mentioned above, and he puts the countries in this order:
1. Scotland
2. Ireland
3. Holland
4. Denmark
5. Sweden
6. Portugal
7. Germany
8. France
Note that France is dead last with both of us -
.
Most of my European friends speak more than two languages, and generally like the US in general, and the Americans they know in particular. I'm not at all worried about hostility.
And I have yet to meet an innkeeper or restaurant owner who didn't appreciate my American dollars. But don't worry - I doubt I'll be giving you any - unless you own a hotel, restaurant, gas station, museum, or rental car company.