The phrase "don't blame the lazy" suggests a perspective on laziness, but the reasoning you provided is a bit unclear. If you're trying to communicate that someone may think they are being blamed for their laziness due to another person's financial situation, it might be more effective to rephrase it for clarity.
For example, you could say: "Don’t blame people for being lazy, as they might perceive your criticism as being motivated by your financial advantages."
This conveys the idea that someone's perception of blame can be influenced by the context, particularly if there are differences in financial status. Would you like help refining the statement further?