a mere housewife
Not your cup of tea
Taking care of your family spiritually is much more important than physically. And pushing family members out of comfort zones may, in fact, be taking care of their souls by motivating them to greater holiness and dependance upon God.
I actually had the James verses used against me because we were taking our children to a remote location. But my children actually benefit spiritually by being in harder physical places and seeing how people across the globe live.
Pushing a lazy, indulgent personality into greater sacrifice means to take care of them.
Pergs, here is a quote making your point, somewhat:
"There is kindness in Love: but Love and kindness are not coterminous, and when kindness . . . is separated from other elements of Love, it involves a certain fundamental indifference to its object, and even something like contempt of it. . . . Kindness, merely as such, cares not whether its object becomes good or bad, provided only that it escapes suffering. . . . It is for people whom we care nothing about that we demand happiness on any terms: with our friends, our lovers, our children, we are exacting and would rather see them suffer much than be happy in contemptible and estranging modes."
-C. S. Lewis, The Problem of Pain
However I don't know about a husband or wife allowing themselves to think things like 'lazy' and 'self indulgent' of their spouse? Charity begins at home, and surely a woman would respond better to hardship, if she were being led into it by a man who was thinking as well of her as he could.