Anchor Lazy

(adj.) Someone who stays dependent or immobile not because they can’t move on, but because it’s easier not to. A person financially capable of independence yet emotionally or administratively stuck — often lacking job history, credit, or initiative.

“He’s got a savings account and a Tesla while living with his ex. Lucky for him, he's been anchor lazy for years.”
“A chronic case of anchor laziness keeps her from signing a lease.”