They certainly are complicit. They don’t pay taxes, they scam all they can. There was the article about all the people who claim to be blind to get benefits. They most certainly have contributed to the mess.
I do not, as you do, conflate the 'they' who claim to be blind with all Greeks.
Do you consider yourself 'complicit' in Obamacare? Should your property be plundered to ensure Obamacare's subsidies do not add to the federal debt?
Do you see no complicity on the part of the Troika who encouraged a furtherance of Greek debt issuance years after their own analysis indicated it could not be redeemed? I don't think that kind of irresponsibility should entitle the lenders to Greek citizen's property. Perhaps in the future they will be more prudent, and thereby force more prudence on profligate governments like the Greek's.