I lived in Greece for over two years and often travel to northern and Mediterranean Europe and North Africa. While I prefer the Peloponnese to the Rhineland, over the years I have developed an unscientific and haphazard -- but often accurate -- politically incorrect method of guessing whether a nation is likely to be perennially insolvent and wracked by corruption.
Do average passersby throw down or pick up litter? After a minor fender-bender, do drivers politely exchange information, or scream and yell with wild gesticulations? Is honking constant or sporadic? Are crosswalks sacrosanct? Do restaurant dinners usually start or wind down at 9 p.m.? Can you drink tap water, or should you avoid it? Do you mostly pay what the price tag says, or are you expected to pay in untaxed cash and then haggle over the unstated cost? Are construction sites clearly marked and fenced to protect pedestrians, or do you risk walking into an open pit or getting stabbed by exposed rebar?
To put these crude stereotypes more abstractly, is civil society mostly moderate, predicated on the rule of law, and meritocratic -- or is it better characterized by self-indulgence, cynicism and tribalism?
The answers to these questions do not hinge on race, money or natural wealth, but they do involve culture and the way average people predictably live minute by minute. Again, these national habits and traditions accrued over centuries, and as much as politics or economics, they explain in part why Bonn is not Athens, and Zurich is not Naples, or for that matter why Cairo is unlike Tel Aviv or why Mexico City differs from Toronto.
There is one final funny thing about contemporary culture. What people say and do about it are two different things. We in the postmodern, politically correct West publicly pontificate that all cultures are just different and to assume otherwise is pop generalization, but privately assume that you would prefer your bank account to be in Frankfurt rather than Athens, or the tumor in your brain to be removed in London rather than Lisbon.
A warm sunset with an ouzo on a Greek island beach may be more relaxing than schnapps on the foggy Rhine shore, but to learn why Greeks will probably not pay back what they owe Germany -- and do not believe that they should have to -- take a walk through central Athens and then do the same in Munich.