Moose,
There is a good reason why the banks are in a different position.
They are holding YOUR money. The bail in procedure, now approved in
Australia also, enables them to use your money to pay their debts.
If Greece defaults, the banks will close long enough to use the
depositors money to pay out the bond holders.
This is what happened two years ago in Cyprus and a year later in Portugal.
Oh yes they are very kind, they will give you shares in the broke bank !

One issue that hasn't been mentioned is that if they agree to cut Greece some slack in order to save a default then other EU countries will also want to be cut some slack as well.