This is just my two cents, take it with a grain of salt as I am simply a humble observer peering into your life, with the little information you have given me.
I dont think you are lazy; I think you are afraid to fail.
Thus far in your life, you've had it easy. SAT's, Valedictorian, probably started programming when you were 12. You have seen your peers struggle to no end with this stuff, yet you've always been able to skate by, and still be better than most. At 21, to be making 130k a year is god damn impressive, not so much for the "money", but for what the money represents; knowledge and your skill level of your chosen craft.
The problem is, again from my perspective observing from the outside, you don't start something because you are afraid you are going to fail. You are afraid, that for once in your life where things have always just come naturally to you, that you will try something new and just fail miserably at it.
I don't think this is a matter of laziness; I think that you just think it is laziness, so you casually write it off as such without really examining the root of your problem.
I could be wrong, but I have seen this before. My sister sounds a lot like you; the oldest child (already the family favorite from that fact alone), perfect grades her whole life, captain of the cheerleading team (I shit you not), Valedictorian, great SAT's, accepted into some art school. She is very smart, makes 40k a year as a copywriter for some mucky-muck agency in LA. She talked to my mom about starting her own (my mom's suggestion) and her response was (surprise, surprise!) she doesn't want to be a failure because she knows most businesses fail.
Then, on the other hand, you have me. I am the only boy in my family (3 sisters), ADD, suffered from bad grades while being surround by 3 straight-A sisters, arrested at 17 for making a drug deal (long story), in some ways, the "black sheep" of my family.
I started an eBay business in high school, which made some money. Started a business in college selling hempseed oil skin care products, flipped inventory, invested the money into a side project/start up. Outsourced the development. Got interest from Nordstrom's, Whole Foods, Landry's, and Black Angus Corporate (I think a PE firm owns them) etc. Realized I loved this so much, told them I had to put it on hold, dropped out of school, and enrolled in General Assembly WDI in Santa Monica (was accepted into Dev Bootcamp, my mom got cancer, stayed closer to home, long story) and will resume operations once I can build the site from scratch myself. It's a B2B site .
What I am trying to say, is don't be like my sister. Your "perfectionist complex" seems to be the problem. I have failed, been called every name under the sun from my own family, and everything else in between, yet I keep going.
Failing is not that big of a deal; in our industry it is a badge of honor if done correctly. Don't be that guy, who in 20 years, regrets the things he has not done, instead of the things you have done.
My advice for this; fail. Fail hard. Go out and pop your "success cherry", and get the fuck out of your comfort zone. Stay humble, stay hungry, keep hacking and go change the fucking world man. Stop feeling sorry for yourself and just go do it. I mean really....what do you have to lose?