One thing to tell if he is depressed or just being lazy

is to observe whether he feels guity and keeps blaming himself for not doing the rexpenses. If he thinks it's okay to lose money or even laugh at it, then he is just being lazy and not depressed. Depressed people feel living in this world is overwhelming ... too many things to handle and too much info to process - they feel they do not have enogh energy or ethusiasm to do all those. And that's why some depressed people commit suicide - it's simpler/easier to die than to live...