Maybe generalizing, but definitely not stereotyping. A stereotype is something you acquire without having contact with the "stereotyped". Generalization is something you acquire when you actually form your opinion by looking at some representatives of the people you are generalizing.
For example, before I had worked with black people, I thought they were irresponsible and that was a stereotype. Now that I've worked with black people, I think they are irresponsible and this is generalization (I am sure there is at least one black person who is not irresponsible, but I don't care).
About plastic bags and cigarettes - both are part of the "Bulgarians love complaining" part. Smoking ban in cafés, bars and restaurants is something that everyone likes - non-smokers AND smokers. It just takes a couple of weeks to get used to it.
Same is true for the usage of plastic bags - it takes 3 days to get used to living with a minimum number of plastic bags.
Now, here comes the problem of the Bulgarians - in general both rules are good and should be implemented, but rules are not exactly for us, who are you to tell me not to smoke/use a new plastic bag every time, and if you don't give me a plastic bag/let me smoke, your competitor will. And since no one will punish your competitor, you will feel as a total idiot of you continue enforcing those anyhow unthinkable rules - because I can assure you that no Bulgarian who lives in Bulgaria can imagine sitting at a café without smoking. Not that when they sit at a café in Germany they die because they can't smoke, but that's Germany. They don't throw their trash at the street in Germany because it's Germany but as soon as they cross the Bulgarian border they throw their trash at the street because "Nothing is normal in this fucked country anyway".
Even the people who are supposed to enforce the rules cannot imagine actually everyone following the rules. I am sure that people at RIOKOZ (the institution which has to enforce the smoking ban) would themselves be amazingly surprised if they were asked not to smoke at a café. That's why they don't really control for following the rules but make 2-3 campaigns to be covered by the media, so that they show that they deserve their salaries, punish some very unlucky people who will feel forever that this is very unfair towards them.
It's the same with rules on the road. In general everyone agrees that speeding is bad, but everyone does it. At the same time, you are so rarely punished, that when you are punished, you really feel it's unfair because the last 100 times it WAS really OK and now suddenly - a ticket.