In real life, not disney movies made for simple minded children, lazy apathy is what most real evil looks like. Please see "the banality of evil."

At which point do you cross the line? Somebody who murders to take someone else's money is ultimately just too lazy to provide value in return for money, so they're not evil?

When apathy results in harm to others and benefits to oneself, those others are allowed to appropriately label that apathy as evil.

You can call them bad or shitty or something else.

True evil is different.

If someone wants to be bad or shitty in a way that harms nobody but themselves, then more power to them. That's freedom.

If someone wants to be bad or shitty in a way that makes their lives own better while making the lives of everyone around them worse, that's evil and parasitic, and I'm not going to wring my hands about labeling it as such.