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The truth is that a majority of humans, actually animals too are just naturally lazy, or what some people call, "efficient".
you see, all these concerns about money, career, status, etc. are somewhat abstract and disconnected from our animal instinct. An animal that is fed, warm, and safe will find little reason to move other than finding a mate. And even then, if the process of finding a mate is to laborious they will revert back to their den.
The frontal lobe is so recently developed that although it may distinguish us as human, the other parts of our brain are much more ingrained and ancient in determining our patterns of behavior. To override this instinct and set your own abstract programs (i.e. a program like, "work at something unrelated now for later capability (paper survival tickets=money) of procuring the necessities of survival") requires a great deal of self-awareness and habit changing action to firmly imprint yourself with the change.
This is evolution at work but it is by no means easy, and so many revert to the default, being comfortable is "success" in the eyes of an animal.
Many an animal would sacrifice a great deal just for the insurance of not being hunted that day and enough food in the cupboard to last the night.
you have "won" in the terms set by your lizard brain and so stretch your legs and go back to sleep
