Regarding 1, in the Netherlands there's a rather (in)famous family of lawyers named Moszkowicz (different spelling, same name?), which are of Polish-Jewish heritage.
Stress, especially about money, makes you tired. So it's got nothing to do with being lazy. I just switched medication because the old ones made me tired. It adds up quickly to feel debilitating IMO.
If you're a morning person, you don't mind rising earlier, so DST is what you'd want. I'm an evening person, and I find it terrible to wake up at 6:30 while my biological clock says it's only 5:30.
Where I live we have sunlight from 5:20 to 22:00 in summer. This means going to bed while it's still light outside. We're actually in the wrong time zone though, the sun is at the highest point somewhere around 14:00 in the summer.