> Sure a person needs to do their hishtadlus for everything
This is not a “sure but” – how can one ask Hashem to help you if he is not trying himself? Does not Hashem follow the pasuk that “you help to load the animal _with_ him”? In general, I believe, one can not daven for things he did not try getting himself. For example, if one sits at home hungry and does not bother to go to the store (or even to the fridge) and asks Hashem to help, and then dies from hunger – can we say that Hashem abandoned him or do we say that Hashem provided him with a full fridge?
Furthermore, it may be that people, who for whatever reasons do not have a lot of experience with working, think that hishtadlus is a binary effort, like buying a lottery ticket – rather than a conscious effort requiring time and thought and concern about halochos. Same as learning is not achieved by deciding to spend five minutes once sitting with a sefer.