I don't see any group as being lazy. However I will say this, its probable that my generation (1985) is confused by the sheer number of competing options. In addition to this, people are being told that the money they earn is relative to the value they are as a person, money is a status symbol. I don't have a problem with people earning more money, I have a problem with people being told the money they earn is the value of their existance.
The finance sector is stupid, and thats a generation X phenomenom. Since when is it sustainable to have a price/earnings ratio higher than prior to the great depression?Thankfully we're lower now but its just going to climb back up in a couple of years when people forget about the problems. Yah, great for retirement right? Except theres no real money in the stock market, not many companies raise money there either and yet people are being told to invest? Bah! Its just one big baseball card trading scam.
So who is really going to foot the bill for their retirement? Well considering the savings schemes being put into place, its the Generation Y and later people. We put money it, they take money out... Great! Its just one big money transfer. Its taxation to fund retirement under another name all in the name of a big pyramid scheme which people hope will never fall over, so long as there are more people to foot the bill than there are taking money out.