So you slacked off, and now you want a freebie eh?
You sound like a true American! It's hard no to sound sarcastic, but that is the true american spirit when it comes to academia and mathematics in this country. We want our carrots pre sliced, and we want the government to pay for them too.
Here's the deal. Obviously you slacking off in college while your parents are paying for it is pretty typical. It's actually, extremely typical. However, most of those who slack stay away from physics, because it requires a lot of hard work and dedication. So you're 1 in a 100 here buddy.
However, if you were motivated enough to complete your physics degree, you probably will be motivated enough to pursue something serious in your career. You'll just probably continue to have bouts of laziness in whatever you do.
Certainly, as you know, eventually you will come across something that looks like it's worth pursuing. And when you realize you have to pay your own way, etc., like for real, you'll get serious and put your nose to the grindstone to work your butt off.
Until then, you can flounder around with a bunch of hard working scientists and engineers, the most disciplined of all disciplines, on a physics forum, and ask them what you should do when you grow up.
My advice: 1. PhD in Physics is more than likely way more dedication than most people really want to give
2. If a bachelors in physics was trying to you, so will be a PhD
3. However, you can do it, and more than likely will do it, if you decided to do it.
4. Screw physics, go get an MBA, and you can make 3x as much as the physicists you hire to do the dirty work for you.
Good Luck Slacker.