Is Research Right for me?
You give a number of reasons why you don't want a PhD and one reason why you might want it: A chance of a higher income after graduation. Is there anything else? If not, I would rather look for other ways to earn more money. A PhD is not the sure-fire way to make money. And lacking intrinsic motivation, you will most likely struggle more than others, have a higher chance of dropping out than others, and perhaps need more time to graduate.
That said, your PhD program is starting only in a few years. Preferences and motivations change and that change is hard to predict. Why not enroll in a research-based course in your undergrad studies, and take stock after the BA to reflect back on what you enjoyed about it and what you struggled with.