My child used to be dry at night. Not any more! Is she just lazy?

No. Most nighttime wetting is due to incomplete emptying of the bladder during the day. A lot depends on the age of the child. If they used to be dry, and now they are not, you may need to consult with your doc to see why. Constipation, overfull bladder, and excessive fluid intake can cause nighttime wetting, among other things.
No. How old is your child? When did you complete toilet training? Previously dry children, who begin having accidents are evaluated for many things-infection, fatigue, excessive late night fluids and diabetes are among the disorders your doctor will consider.