Well I consider my self a "real" Greek (being Greek and having lived here all my 37 years of life).
I'm not giving excuses to why Greece has come to this state; this is a very long discussion but I don't think that the Greeks are the only one to blame.
Yes some of the things you mention are true but what's the cause of this? I mean why would an average Greek buy a Mercedes to show-off instead of invest these money to his business as western EU people would do? That's what I tried to (I guess very naively explain): This is a culture thing; it seems that the Greeks have a different mentality than the western Europeans, a mentality that is closer to the Middle Easterns.