What's wrong with Chirag?

I don't get what's wrong with him. Ranveer, from a nobody, tiny-minny servant has become a Millionaire; and Chirag is still stuck with his evil plans and has gotten supposedly nowhere. Disha stupid friend had told her how Chirag is good in business and he'll get a job anywhere. Why didn't his business knowledge or whatsoever help him to get his problem out of trouble? It seems he's rather a lazy man who'd love to survive on others' mercy but wouldn't work hard. XD