I agree with Jestina. Stick as close as possible to being realistic. A good yardstick would be the answer to the question: How would I treat a homeless, dirty, annoying person who mooch off others in public who doesn't even have a job, nor seems to try to get one? Then imagine being that homeless person, and having to hear what is thought of you. And what the real reason might be for such misfortune. Suddenly "a lazy mindset" becomes "drained of motivation through consistent, universal rejection". Now try simulating that person's life. It sucks. It becomes a vicious circle, with no way out, and the capacity to think long-term becomes zero, as it doesn't apply to ultimate survival.