The Germany captain, Philipp Lahm, has admitted astonishment at John Terry's rush of blood against Barcelona at the Camp Nou and stressed his own sense of responsibility within the Bayern Munich side demands he would not allow himself to commit a similar offence.

Terry was dismissed in Chelsea's semi-final second leg for kneeing Alexis Sánchez during the frantic period immediately after the hosts had levelled the tie, meaning his team-mates played 52 minutes with their number depleted, and he will miss Saturday's final at the Allianz Arena against Bayern.

The centre-half will travel as a non-playing member of Roberto Di Matteo's squad along with Ramires, Branislav Ivanovic and Raul Meireles, who are also suspended, but has denied himself the opportunity to make amends for missing the penalty that would have won the European Cup in a shoot-out back in 2008.

Asked about Terry's misdemeanour against Barça, Lahm conceded he had not expected such an experienced player to jeopardise his team's chances. "I was surprised with his sending off, not because of the [award of the] red card but because of what he did," said the full-back. "I can only say I wouldn't have done that. That wouldn't have happened to me because I do everything for my side, and that would have harmed my team. But we want to win the Champions League. To be honest, now, we're not interested who will be unavailable for Chelsea, or who is playing for them.

"There are players missing from both sides, and they will even themselves out. We're missing [Holger] Badstuber, [Luiz] Gustavo and [David] Alaba, players who have been key to us getting here, so we've suffered as well. I think it's a shame that anyone should be suspended from the Champions League final for picking up yellow cards in the competition because it's a European Cup final, the best two teams in Europe coming up against each other, and I just think the best players should be able to compete in it."

Lahm's team are under considerable pressure to deliver the club's fifth European Cup having been eclipsed domestically by Borussia Dortmund this season – they lost the German Cup final 5-2 to the league champions last Saturday – but will be spurred on by memories of losing to Internazionale in the final two years ago. The 28-year-old defender, born in the Munich suburb of Gern and affiliated to the club since he was 11, believes the team, now under Jupp Heynckes, have progressed since Louis van Gaal's side lost to José Mourinho's Italians in Madrid and is ready to capitalise on home comforts.

"It is something special when you play a final at home in your own stadium," said Lahm. "I think that is a small advantage for us because you know everything that's happening on the day: whether that's the hotel you'll be staying in overnight, the training pitch where you go and train, or the stadium where you'll actually be playing the match. We put pressure on ourselves to win this trophy. It's been 11 years [since Bayern's last European Cup] and, while people talk about this 'golden generation' of players, you're only actually going to be a golden generation if you win a big international trophy like the Champions League.

"That defeat in 2010 has had a big influence. We have a lot of players still here who were with us two years ago and we all remember that experience. But a team also grows through defeats and setbacks. I don't think the belief we had two years ago was as big as the belief we have now that it can be our year, our trophy. We believe we can win the title more this time around. We're more experienced now than we were two years ago, and what Jupp Heynckes has done with us is get a much better grip between the mix between offensive and defensive style. That showed in the Bundesliga, where we only conceded 22 goals.

"All that will make a big difference but so would the thought of a team coming here, to our house, and winning it at our expense. Naturally, that would be awful for us. I'm from Munich. I was born here in this town. I am one of those supporters and I know how much winning this competition means to them. I am one of them. Thank God, if we lose it, we'll be flying immediately to the European Championships afterwards … But of course we want to win it. Hopefully it will not be a problem for us to come up against."

That was said with a smile, though there is angst in Munich at the prospect of a trophyless season even if Bayern will at least have the consolation of knowing they will compete in the Champions League again next term. For Chelsea, who finished sixth in the Premier League, do not have that luxury. "At Bayern, sixth would be very bad," said Lahm. "In 2007 we were fourth and only in the Europa League, and that felt very bad, and Chelsea is comparable to Bayern Munich.

"We're both always used to playing in the Champions League so, if you're thrown into the Europa League, that's bad. It's difficult. We played against Getafe in the quarter-finals of the Europa League that year. Normally, we'd be going to Madrid to play against Real at that stage of the year. That's the difference. It's not easy to get used to. But, for us now, it'll only be a good season if we go on to win this title."