What does it mean when someone says TL; DR? I know what the letters suggest. How should the reader view comments from someone who could not take the time to read the material before commenting?

They may have taken the time and are reducing the content for those who are too busy or lazy. Curation is a possible label.

Is it even lazy? We all make choices about where to invest time and what to ignore. Some argue that we are making 30,000 or more choices a day. We scan for threats and opportunities without even knowing we are doing so.

When investing, there is rarely a time when something is TL; DR. Read the contract before signing. Look up terms you do not understand. Get a professional or someone with domain expertise to review the details to check on what you have read. You want to eliminate unknowns and spot details that are not in your best interest.