No. People aren't usually lazy. They just aren't. There's nothing most people would like better than to be able to be independent and non-needy. Most people are smart enough to know what, exactly, they need. Money would help them get that. It would have to be, or add up to, enough money, though; because if someone needs x amount of money to get himself on his feet and only gets x percent of that, then he's not able to accomplish what he needs to.
"Not enough" is, in many ways, almost useless to a person. That may be why so many people use money to do things that will "at least get them through the day" (in view of the fact that they could only get their hands on SOME money, but not enough).
On top of all that, people who are in need of money to get themselves and/or their life in order must live in an arrogant, ignorant, and/or condescending world that views people in need as stupid, lazy, or even mentally ill. So, on top of everything else, "needy" people aren't just getting the right kind of (at least) emotional support, but they're essentially feeling attacked from left and right a good part of the time.
It's unfortunate that so many people have been allowed to grow up without being taught this stuff about "needy" people.