A lazy user model is like having a big sister who knows your preferences and sets things up in a way that you like, so that you don't have to do it yourself.
Let's say you're playing a game, and your big sister has noticed that you always choose the same character, so she selects that character for you automatically. She also knows that you struggle with certain challenges in the game, so she sets it to an easier level so that you can still have fun without getting too frustrated.
In the same way, a computer program can use a lazy user model to make decisions for you based on your past behavior. For example, if you always listen to a certain type of music, a music-streaming app might create a playlist for you with similar songs. Or, if you always open a certain app at a certain time of day, your phone might start opening it automatically for you.
Basically, a lazy user model takes the work out of making decisions and customizing settings, and instead does it all for you based on what it thinks you'll like.