MechaPilot
Explorer
If that is how its' going down, then the player is doing it wrong. It should be, "my character doesn't want to adventure, but here is the reason that I have crafted to get him out the door and I'm handing you potential plot hooks for future development." It is collaborative story telling after all.
Ah, the ancient and forever lost land of "should be." Maybe one day we'll get there, and we'll find all the people who can maturely play evil or chaotic characters without being total a-holes to the rest of the party, people who play rogues without the impulse to steal from the rest of the party, and people who admit to and repent of bad behavior when called on it instead of raising the "that's what my character would do" defense.
Look, a lot of people have a rule about no evil characters, because they've been burned in that regard. This is no different. I've dealt with reluctant hero PCs who basically forced me to jump through hoops to re-engage them from one story to the next. No more. If you've had a good experience with players of reluctant hero PCs, then good for you.
Also, it's not a matter of being hard, or requiring effort. I don't mind a challenge, and I'm not afraid to put the work in. But, in my experience dealing with a reluctant hero PC is like having to move 1,000 empty boxes without breaking them down. They're not heavy (i.e. challenging), and it doesn't require an insurmountable amount of effort, but it's just so tedious and unrewarding that I can't help but say "screw it."