Super Saiyan Blue Goku using the Kaio-ken x10
According to Goku, using Kaio-ken alongside the Super Saiyan forms would be too overwhelming on the body, due to the forms using a lot of stamina, and would most likely result in immediate death. However, when Goku obtained the Super Saiyan Blue form, which required perfect innate ki control and a calm mind, utilizing the Kaio-ken technique alongside it became possible.
So during his training, Goku began developing a new Kaio-ken technique for eventual use against Beerus. He first attempted the technique against Hit during the Tournament of Destroyers, noting that it was incomplete with only a 10% chance of success, meaning Goku needed absolute concentration when activating it, otherwise it would kill him.
Goku succeeded in combining the transformation with the Kaio-ken x10, which gave him the ability to effectively counter Hit's improved Time-Skip technique. However, due to the Kaio-ken's risks, Goku could not keep fighting for very long, and ended up surrendering the match as his time had run out.
After ending the technique, Goku was in extreme pain as he was suffering from extreme muscle contractions. Due to the reckless use of his Ki this way, Goku ended up suffering from Delayed Onset Ki Disorder for some time.
I don't think it's laziness at all, i think it's a matter of Goku getting stronger & can better manage Kaioken.
Ultra-Instinct puts far more strain & stress on him as is, so applying x20 Kaioken to SuperSaiyan Blue is nothing by comparison.