The issue is that from birth most of us are conditioned, through education and culture to not take this responsibility. Most of those who beat the trap have their passion squeezed from them through poverty or dreary corporate jobs that consume them.
You wouldn't believe how many people ask me what people would do if they didn't have to work due to guaranteed basic income or some such. Why do I even have to answer that question. People can do whatever they want. It's not my or the systems job to to tell people what to do. If a person is lazy and the only way they can get motivated is by the threat of starving then that's their problem however I would still much prefer to live in a world were people have the option to be lazy and not faced a threat to their basic survival than what we have now where people are highly driven, working multiple jobs, but socio-economic circumstances mean they are trapped in a poverty cycle they can't escape from.
I agree with your premise regarding the workplace providing a way to develop people and to give people a chance to organize around clear goals however I also think this should be decoupled from income stability. Any income earned in the workplace would be a bonus on top of the bare minimum needed to survive which should be provided. How can we say we are civilized when we let people starve, be homeless and deny them access to medical help when they need it because they aren't wealthy enough. The world as it is now is so absurd. Someday (soon I hope) we will look back on this period in human history with bemusement.