"Most of the middle/lower class population in Europe does not have spare money in a bank account but in contrary has debts for housing or other stuff."
Actually, unlike their government, most Greek households do not have high debts:
"Greek consumers are relatively frugal, with household debt equal to just 61% of GDP, compared the American household debt of 95.7% of GDP"
Most people in EU invest their money in real estate or some other hard value. But contrary to US, most people do not handle their economics for the retirement by themselves - this is handled by the governments. So there is really not much to lose if some banks will go bankrupt. It would finally clean up the whole mess. Looking at the figures above I ask myself why Americans did bake the US government to bail out the banks - seems they should have even less interest?
The American people wrote in large numbers to their representatives to not bail the banks back when. If you remember, the bill was not passed first time around.
It probably would have been much worse though had it not passed second time around. Tremendously long cues like the British bank Northern Rock worse.
Actually, unlike their government, most Greek households do not have high debts:
"Greek consumers are relatively frugal, with household debt equal to just 61% of GDP, compared the American household debt of 95.7% of GDP"
http://online.barrons.com/article/SB126584181497144099.html