Actually, Axelwolf, you and I both know ways to get to higher tier levels that circumvent most of the sweat and almost all of the risk. But if you think I'm laying them out on this forum, you're nuts. They do require patience and the ability to hit-and-run while toting a fair amount of cash, but to quote Nirvana, "I've said too much. I set it up."
The "not interested in doing stuff on their own" translates into "I ain't explainin' it unless they make me" 99% of the time, so no, I don't buy others' laziness as a legitimate reason to skim money from them. But hey, I'm a sleazebag tout; what do I know about decency?