Except we know that the Indian works hyper-efficiently because we realize she's a fuckload more limited when it comes to both human resources and monetary. Going on the same principle when considering Lloyd, taking into account he's obviously a very valued scientist, and who he's working for (only the BRITANNIAN FUCKING EMPIRE AND THEIR NIGH UNLIMITED COFFERS) I have a feeling that they don't exactly skimp on him when it comes to allocation of finances.
Furthermore, regardless of that, we KNOW Laksharta works on limited funds. Necessity is always going to be the better motivator. I would be very fucking surprised if Lloyd knows necessity at this point in his life in the same way Laksharta does.