You are forgetting that you have to pay to play online. Your $500 console is an $800 console if you use it for 5 years. You can build a roughly PS5 equivalent PC (RX 6700) for more like $650-700 which is less overall.
Plus it's a computer so you can also use it for normal computer things, and the games themselves are generally much cheaper with a huge backlog and sales all the time.
Usually being "lazy" is also the result of some kind of untreated medical issue or disorder like ADHD, autism, sleep apnea, etc. or any combination of those. Almost no healthy person would make the choice to sit around doing nothing for years at a time. Treating it like it's some kind of lack of will or moral failing only makes it worse.