Have you ever thought about this, what we are trying to achieve in our personal financial life is completely diverge from what the government expects their citizens to do.
It is exactly what is going on in society and no one is happy about it. Yet nothing can be done to resolve it. When we try to achieve things the government makes laws, sanctions, or one way or the other makes it difficult to achieve those things.
Don't say government workers don't work without pressures or work below standard. We have 3 tiers of government which are the federal level, the state level and the local government levels. The position and Place that people works actually determine the effort they put in their work and so is their payment. A person working in a federal level do have some pressures and have to do standard work else they will be relieved from there work or even demoted to lower level but a state person workers doesn't get high pay and might do less work and also the local level.
I agree with what he said. Government workers do not work without pressure. They feel reluctant because there is no one to supervise their services and if there is an invigilator they will get informed to come to duty after several days of not showing up. Perhaps you have not visited some government offices, hospitals, or schools. If you have of course you will be able to relate here. However, am not generalizing it to all government workers. Some of them are punctual and love to do to duties.