Lazy is a (can`t think of the adjective, it`s indicative of the speaker`s values) word. My degree is in psychology and we would say "unmotivated." And there`d be a reason for the lack of motivation. Not that I believe motivated people should have to pay for that (I believe they shouldn`t), but there would be a reason for it.
(I "get" the last part of your reply. It was meant as both humorous and truthful, I think. I`m not trying to pick it apart.)
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