Let me tell you the situation of an old friend. He was working his ass off to put himself through college even with scholarships because his family was too poor to pay for anything and could not qualify for a loan. He worked one job taking care of his special needs brother, and another job at a brewery while getting his degree. Over the summer, he worked three jobs to cover the bills for college. After college he got a job, but still needed to take care of his brother along with his mom (who has no money, dad's out of the picture) - extra cash went to help his mom. His brother could not get a job because as soon as a special needs person has more than 2k in assets, they no longer qualify for help and the extra cash needed to shepherd him through the time with no help is not available. His mom doesn't really make money, but how many people are going to not take care of the single mom that raised them? _Everything_ is a struggle - constantly. It is exhausting for him, and I dare say that most humans would not match his grit. Passive income is a desperate hope to bridge the gaps.
There are plenty of dumbass florida-man people, but writing off poor people for lack of effort is not a useful generalization.