The most common and most likely answer to this crossword clue is the 8 letter word MOOCHERS
I've seen this crossword clue in The Times
M
O
O
C
H
E
R
S
Buddy explains!
The straight part
We know that "types disinclined to act" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case types disinclined to act = moochers.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does MOOCHERS mean?
MOOCHERS noun- A person having a tendency to take advantage of the help of others, especially if making little effort to help themselves.