Athens • With the crucial austerity referendum a day away, Greeks contemplated Saturday how their vote will shape their future and the impact a "yes" or "no" will have on the country's youth.
Opinion polls showed Greeks evenly split on whether to accept creditors' proposals for more austerity in exchange for rescue loans or defiantly reject the deal and send the message that they're simply fed up with years of harsh economic austerity.
With no campaigning allowed the day before the vote, the natural rhythm of daily life in the capital briefly replaced the sense of urgency that was palpable all week when Greeks struggled to decipher a convoluted referendum question while being bombarded with frenzied messages of impending doom or defiance.
Aris Spiliotopoulos, a 22-year-old who is launching his own tourism start-up, said he believes the vote is about whether Greece chooses to stay among the club of nations that uses the euro as their currency and ultimately whether the country opts to stay in the European Union itself.
"I am voting 'yes' because I believe that my future and even my kids' future, in 20 or 30 years from now, is in the eurozone and the European Union," he said.
Gym teacher Alkiviadis Kotsis said he is voting "no" because the country and its people simply can't take more austerity.
"No matter how many loans you take, you cannot get by if you don't produce things. You can't do anything," he said.
Greece's high-stakes standoff with lenders saw the country default on debts this week, close banks to avoid their collapse and lose access to billions of euros after an existing bailout deal expired.
Yet, Greek Prime Minister Alexis Tsipras insists a "no" vote would strengthen his hand to negotiate a third bailout with better terms.
No matter the referendum result, Tsipras faces a tough road ahead, fraught with uncertainty about whether he will be able to deliver an improved bailout agreement.
Yale University political-science professor Stathis Kalyvas said the Greek government will face daunting challenges no matter which way the vote goes. In case of a "no" win, Kalyvas said the Greek government could be confronted with the refusal of other eurozone countries to negotiate a better deal because of their distrust of Tsipras. A "yes" win won't mean a road to the negotiating table strewn with roses either, but would likely usher in a new government with a shot at negotiating an improved deal, Kalyvas said. He said if the European Union wants to keep Greece in the eurozone, it will have to come up with "a very generous plan" since the cost of the crisis has shot up to unanticipated levels.
That was borne out by German Finance Minister Wolfgang Schaeuble, who told daily Bild on Saturday that future negotiations between Greece and its creditors will be "very difficult" because the country's economic situation has worsened dramatically in recent weeks. Schaeuble repeated the German government's position that for a community like Europe to work, all countries need to abide by the rules.
Meanwhile, Yianis Varoufakis, Greece's finance minister, launched a salvo at other eurogroup nations, accusing them of holding out on a bailout deal to allow bank coffers to run dry so they could spring a "vile ultimatum" on the government to accept what he called a humiliating deal.
People stand in queues as they wait to use the ATMs of two banks, after government's decision for limited daily cash withdrawals to 60 euros, in Athens, Saturday, July 4, 2015. Campaigns halted in Greece on Saturday on the eve of a closely watched bailout referendum with voters in a dead heat over whether to defy creditors and push for better repayment terms or essentially seek new political leadership to find a compromise. (AP Photo/Thanassis Stavrakis)
A banner reading ''NO for democracy and for dignity'' referring to the upcoming referendum is placed outside a Greek Orthodox church at Monastiraki square in central Athens, Saturday, July 4, 2015. Whether Greeks decide in Sunday's referendum to accept their lenders' bailout deal or reject it, the government's hold on power may be shakier than its brash prime minister has calculated, analysts say. (AP Photo/Petros Karadjias)
A banner reading ''NO for democracy and for dignity'' referring to the upcoming referendum is placed outside a Greek Orthodox church at Monastiraki square in central Athens, Saturday, July 4, 2015. Whether Greeks decide in Sunday's referendum to accept their lenders' bailout deal or reject it, the government's hold on power may be shakier than its brash prime minister has calculated, analysts say. (AP Photo/Petros Karadjias)
A man sleeps, holding an icon of Jesus Christ, outside a closed shop with spray paint reading "Poor vote "NO" in central Athens, on Saturday, July 4, 2015. Whether Greeks decide in Sunday's referendum to accept their lenders' bailout deal or reject it, the government's hold on power may be shakier than its brash prime minister has calculated, analysts say. (AP Photo/Petros Karadjias)
A man, right, sells handkerchiefs as an other man passes by in central Athens, on Saturday, July 4, 2015. Whether Greeks decide in Sunday's referendum to accept their lenders' bailout deal or reject it, the government's hold on power may be shakier than its brash prime minister has calculated, analysts say. (AP Photo/Petros Karadjias)
An Evzone of the presidential guard passes by a poster of German Finance Minister Wolfgang Schaeuble reading ''For five years he is drinking your blood, now tell him NO'' in central Athens, on Saturday, July 4, 2015. Whether Greeks decide in Sunday's referendum to accept their lenders' bailout deal or reject it, the government's hold on power may be shakier than its brash prime minister has calculated, analysts say. (AP Photo/Petros Karadjias)
A man walks by a "YES" poster as speaks on his mobile phone in front of the parliament in central Athens, on Saturday, July 4, 2015. Whether Greeks decide in Sunday's referendum to accept their lenders' bailout deal or reject it, the government's hold on power may be shakier than its brash prime minister has calculated, analysts say. (AP Photo/Petros Karadjias)
Tourists look at a map as they stand at Syntagma square in front of the parliament in central Athens, on Saturday, July 4, 2015. Whether Greeks decide in Sunday's referendum to accept their lenders' bailout deal or reject it, the government's hold on power may be shakier than its brash prime minister has calculated, analysts say. (AP Photo/Petros Karadjias)
A woman holds the Greek, left, and the Syriza left party flags at Syntagma square in front of the parliament in central Athens, on Saturday, July 4, 2015. Whether Greeks decide in Sunday's referendum to accept their lenders' bailout deal or reject it, the government's hold on power may be shakier than its brash prime minister has calculated, analysts say. (AP Photo/Petros Karadjias)