It is not just spiritual. But our natural talents.
God may not have given the talent to be a fruitful monk therefore we have to be faithful worldly Christian
He may not have gave you ability to be millionaire or billionaire
But you can increase what you have so you can double what you have and give as much to charity as you give to yourself
I have a feeling not everyone who is poor is lazy but they may have mental issues which prevent them from working and having courage therefore some do not work because they don't have good guidance and prepared themselves to do God will. Apart from mental issues you still need guidance
The servant who buried was not only lazy but his pride made him not work so this is another thing it is a mental issue though not a mental illness