I use them when I want to have a more casual voice. What really bothers me, though, is when they don't have an apostrophe and almost become phonetic accents. "Wanna", "gonna", and "kinda" are an eyesore to me, but "ain't" is fine. I'm even all right with "a'ight" because I've heard people talk that way, although I guess that's technically phonetics.
I don't consider it lazy.
I mean, I do not consider it lazy.
It depends on the voice. I tried to write a fanfiction once, crossing over with fandoms where one had characters with really long lifespans, and one character joked about how they knew another character was older than they looked because they refused to use contractions. Immortal characters could probably say the whole word because they always feel like they've got time for that.