They are just too lazy and never wanted to be part of the workforce.
I don't think so. JW work harder to support themselves without a higher education but financial security is not what they trust in. -----Everything considered, some people are just lazy or suffer from depression but that is another topic and doesn't truly represent the spirit of JW who pioneer full time and work to support themselves. Other JW too that don't pioneer because of financial obligations too don't trust in financial security. I can tell you stories of wealthy people who's finances and circumstances changed on a dime. --From riches to poverty overnight.