Very interesting. Maybe you're just in the wrong environment, where there's nothing to motivate you. I live in a small, 200 or so people, village. I know everybody here and not a single one has this kind of a problem.

This is probably a silly suggestion, but you can buy say a very expensive car on a loan. That way you'll have two choices:

a) work hard

b) be lazy now and have a ton of problems later - bankruptcy, no where to sleep, etc.

Your brain motivation circuitry will probably choose the easier option - a)