All Chart of Accounts have the same db schema (with possible collation difference but basically UTF-8). Country specific language used will be available in the Language Extensions. Country and business specific COAs will have to be customized but Country generic COAs are available from within the GUI (on linux, locale for the specific country may have to be installed / activated as well). The sql file for each COA is available in the webroot's sql folder where others may be uploaded manually as well.
Create your own COA starting from one of the existing ones like the default sql/en_US-new.sql.
FA is made to be as simple as possible with quick support from the community here in the forum and distilled in the Wiki - even so, it might be intimidating to the uninitiated whence commercial support is available as well.