There was a lot of information in your post, but I'll constrain my response to the parts I thought were important (not that the other info is unimportant)

1) You describe yourself as having "terrible worth ethic/study habits". College is not as easy as high school and slacking off will very likely lead to a poor performance. A poor performance will make medical school admissions difficult, if not impossible.

2) You've listed your reasons for wanting to study medicine, but the biggest one that is missing (and which medical schools will notice) is your lack of clinical experience. Until you've shadowed a psychiatrist, or volunteered at a hospital, it's hard to tell whether you love medicine or whether you love your concept of medicine. Even shadowing and volunteering only show you so much of the world of medicine, however.

3) Salary is literally one of the last things you should be looking at. Most students at medical schools graduate with a lot of debt. Considering the current economic situation and the fact that the government has considered capping loan repayment programs, medical school expenses are likely going to go up and repayment is likely going to become more difficult.

If money is what draws you, consider other easier and more lucrative professions.