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."

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