It's hurtful to accuse someone of being lazy.
John is walking down the street when he sees Bill who is using a mobility scooter to get around town.
John wants to comment to Bill about the scooter.
John tells Bill that the color of his scooter is snazzy and that he loves the sleek design.
John tells Bill that Bill looks fine to him and that he's probably using the scooter because he's too lazy to walk.
Bill is happy that his choice of scooter was complimented by John and is more confident now going out in it.
Bill is insulted as he's disabled and is saddened that John could be so utterly insensitive.