I think you're simultaneously taking an overly simplistic view of how national debts are structured, while also unnecessarily convoluting what it means for citizens to bear the responsibility for their government's debt. The actual monetary debt is a matter between the government and whoever they borrowed the money from (although the details of this can be quite complicated, not just in how the bonds and foreign debts are structured, but that due to how national finances are structured governments often owe a substantial portion of their debt to themselves). The responsibility for repaying the debt is ultimately a matter between the government and whoever is owed the debt.

Now, the measures that the government chooses to employ to deal with the debt is something that citizens bear some measure of responsibility for, both in terms of their ability to influence how the debt is dealt with, and in the fact that they end up feeling the consequences of the various ways this can be done. For instance, the citizens as a whole may choose to elect politicians that implement austerity measures to save money, with the consequence that significantly fewer government services are available. Or they may elect politicians that choose to default on the debt, with the consequence that the government now has a much harder time borrowing money, so can't pay for many things the government is supposed to do. Or they may elect politicians that choose to print more money to pay off with the debt, with the consequence of high levels of inflation.

Finally, I'll just note that your example of the government confiscating savings is a fairly rare response, although one we have seen a couple times in recent years. The times it has been employed have typically been in response not to just debt, but to government liquidity problems, with these liquidity problems stemming from governments not having control over the monetary policy of their currency (more precisely, some of the EU countries during the debt crisis were running out of Euros, and since individual countries don't have the power to just print more Euros they used partial seizure of bank deposits for a quick infusion until additional loan deals could be worked out).