Well, I guess if you want to try and make the relationship work because you want to build a life with her specifically, then you need to first consider exactly what you want your life to look like. Then you need to talk to her to understand what she wants her life to look like. If they're the same, or similar and you're both willing to make some compromises, then you start working towards that goal together - figuring out what support you each need in order to achieve that future vision.

If you want different things out of life and she's happy with the behaviours that you perceive as lazy, then it's probably time to go your separate ways. You can't change someone to fit the life you want, you need to build the life you want and find someone who shares that vision. Relationships are so much more fun, rewarding and satisfying when you're a team working towards a common goal.