Feeling lazy to carry out extra ibaadat

Q: I think I'm a liar and a munaafiq because the lovers of Allah Ta'ala love to worship Allah Ta'ala. I sometimes get tired, lazy and there are days when I feel like I just want to relax and give it a break.

Many times it happens at tahajjud time where I do not want to get up, I have to force myself, and sitting from tahajjud to ishraaq is a very big problem.

How can I overcome this problem of laziness. Isn't the lovers of Allah Ta'ala cannot get enough of worshipping Allah Ta'ala? There are days I just want to sit and do nothing extra. How can I overcome this condition?

Receiving haraam money as payment for a loan

Q: A person gave a loan from his halaal money to someone with a mostly a halaal income. Later, the person who the money was lent to took a new job in which they earn a mostly haraam income. Is it haraam for the lender to be repaid by the person he lent money to?

Will such a repayment carry any of the spiritually destructive side effects of utilizing haraam wealth? And if there is any evidence from the ulama and fuqaha on this matter, then please share because I could not find anything about this online.