It's feeling like you have no control over your life and no hope of making things better that make people stupid and lazy. Quite to the contrary, the one thing you don't have to do at all is force people to innovate or risk. Its base human nature. We have a deep, innate need to go do something and be a part of something.

And you are still missing the most important and inescapable causality:
IF people don't innovate and produce, then the money doesn't increase in value.

Remember the money is NOTHING. Its just a record keeping system that track who contributed what into the economic pool. There is zero world where everyone does nothing and hoards money and we all get infinitely rich or have all things provided for us. The *money* does exactly zero part of the job of making wealth. The wealth is all the stuff and all the production. Money merely acts as a positive feedback tool for distributing that wealth (only when it isn't cheated, of course).

You cannot get wealthy hoarding and doing nothing. The only wealth in the world is genuine knowledge, genuine production, and genuine innovation. Money doesn't just magically grow in value. It grows because *the real wealth grows,* and the money simply reflects that.