No way! You're absolutely not lazy or something. It's hard doing commissions, if you don't like the theme or characters or the setting. ^^ I really appreciate artists which do their own stuff. It inspires me. Well, I love doing fanart from my very favourite characters, but it's not that creative. (I only draw OCs if I have something special in mind) If no one would draw his personal artworks, DA would be very boring... and of course I love comics! They are awesome! So go for it!
Commissions sometimes are good to get some cash, but won't you get forward in beeing yourself. Only if your satisfied whit what you're doing you'll get better and even more recognizable. ^^ I'll cheer for you!