Greece either implement the cuts in which case the net benefit is 13bn euros PLUS additional the bailout funds or they don't make the cuts which leaves them just a theoretical 13bn Euros to do with as they please. They have 11 days left to decide. The former will allow them to continue paying state pensions etc.
Perhaps those who don't agree with loans having terms and conditions attached could quote where they have obtained ordinary consumer loans in the past where they were able to change the terms and conditions at their own will.
In the current case with Greece the main lender is German taxpayers.
I got the 11 day ref from here :
Speaking on Monday, Jean-Claude Juncker, chairman of the Eurogroup finance ministers of the eurozone, raised the pressure on Greece, calling on the government to demonstrate it could implement planned reforms "by 18 October at the latest" to qualify for the next bailout instalment of 31.5bn euros.