In my very limited experience talking with Germans, it always seemed like those social benefits were a boolean choice that kept people from wanting to move up.
That could have just been my interpretation of the culture though, where it seemed many Germans simply seem to accept that retiring as a cashier is an acceptable level of ambition. That level of ambition is definitely not the same world-wide, and can come off as "lazy" to non-Germans who may not understand what it's like to simply accept one's lot in life.
As for ambition, it may have to do with a lower income disparity, where a cashier in a grocery store will certainly not make great money, but will be able to support themselves (median income in Germany is ~2500 Euros, full-time cashiers will make ~2000-2200 Euros). It's also often not a full-time job, but 20-25 hours per week.
Imho the primary issue remains: it's not required to work, you won't get a massive improvement if you're okay with the current situation and you have to expend energy and do stuff you don't love. Open source projects that rely on donations often face similar issues. Donations are not mandatory, so few people will donate, as they can still use the software without contributing. I don't believe that "donating is difficult" is the issue there either, most accept paypal, github sponsors etc.