It's not just that, there's also quite a different culture in Southern Europe, more particularist, which gives less of a sense that you should pay the taxes in your particular situation. Combine with a lot of corruption and lack of enforcement, I think that is the biggest problem. I mean, taxes are higher here but there is less tax evasion, because of a relatively simple tax code (for sales tax at least), effective enforcement, and generally a sense that dodging taxes is wrong to begin with. And cash is more attractive if banks are not trusted so well, or have poor services.