You might be misunderstanding what is meant by "lazy". I don't think it's such a difficult perspective to understand.

What if your wealth was created by self-employment and building up a business? When you see so many talented and hard working people rejecting all of their available opportunities to do so, what word would you use? Ignorance? Arrogance? I can't think of any positive word. At least "lazy" implies they're still waiting for a lower risk moment to pounce.

This is how most of the wealth in the USA was built, so I don't think it's offensive. It's the prevailing culture.