Life is what you make it, if you're a bum, be the best bum you can be...no one can say for sure what's after this.
Me personally I'm self employed and money is decent, because of that freedom some days I spent 24 hours in my underwear watching Netflix or tweaking one of my many hobbies. It takes a lot of discipline to maintain this type of lifestyle though. I'm VERY active, work out 5 days a week, walking and train transit takes up about 2miles of walking and 3 hours on my feet daily.
When I loaf, I loaf like no one's business ...I think twice I spent 18 hours in bed with my tablet.
Don't feel guilty, you have no reason to...you have no goals or dreams, now if you have goals or aspirations and you're too lazy to fulfill them, THEN feel guilty because you're a weak piece of ****.