You're not wrong about how things are right now, but I'm not sure this is the direction Fujino is ultimately aiming for. From what I've gathered so far, ever since Asuna met Inoda, her perspective on life and her future has been constantly shifting. She’s gradually becoming more simple-minded, with no real ambitions. What matters most to her now is having someone around all the time to satisfy her urges and share her interests, like cooking and watching cheesy shows. And in a way, that’s not really a problem—her father pays for everything anyway.
Kirito, on the other hand, doesn’t have that luxury. Without hard work and a good education, he wouldn’t be considered worthy of being with her, both in his own eyes and in the eyes of the society they live in. So, in the end, they just don’t work as a couple.
Not sure if this is actually what Fujino is trying to show or just a coincidence of NTR writing, but that’s how it feels anyway.