Janita,
Go to a different therapist without all the big titles and initials, seriously. I went to a psychologist who said nothing was wrong with me. Then I went to an licensed social worker and some other designation who also is trained in EMDR, who asked me standardized questions and received the proper diagnosis. The first guy was goofy. If you told him, "It's hard to get out of bed" he said to add the word "yet" to it. It's hard to get out of bed "yet". I called him the "yet" doctor. I wasn't driving, I had a hard time leaving the house. I had anxiety attacks thinking I was having a heart attack, etc. Plus like you had a hard time getting out of bed. The getting out of bed problem didn't prevent me from getting out for the restroom...... I doubt you are lazy, keep looking until you find a therapist that can help you. If you are not on an antidepressant see your regular doctor and he/she can prescribe something for you. That may be all you need. If you are not motivated to get out of bed when you have bills to pay, I'd guess you are depressed and/or have anxiety. I'm not a medical professional, just have seen a lot of them as a patient