Sounds like she might be struggling mentally with something.

No one goes from working full time and exercising 4 times a week to skipping work and staying at home because they're lazy.

Did something happen? Like something with a family member or coworker? Maybe you should talk with her about. But be gentle.

Telling her you think she's lazy isn't gonna make her want to open up.

Not cool. You raped him. He said no before and when you woke him up. I'd be surprised if he didn't break up with you.