Nope, the lazyness is real. Just think about that: why bother doing anything when you can borrow some trillion from the central bank.
Two systems with different agenda but plagued by the same practice.
This is SO ABSURD and basically stupid that I can't really see what to answer.
It's like a child saying "The sky is blue so that birds can swim inside". I mean it's wrong on so many levels you can hardly explain him.
Lazyness means not wanting to actually do anything. Not wanting to work in the general and broad sense of the term.
You do understand that people in USSR weren't especially lazy and that people currently abusing the capitalistic system or the people trying to survive in it aren't especially lazy neither?
If there is no lazyness then how to explain the gazillion public debt which we're observing now?
After that I would like to see your ideas why the USSR government borrowed a ton of money from the central bank, while experts were opposing such practice and claimed that it leads to cataclysmic collapse.