You can rationalize and elaborate with intellect as long as you would like to, but what you will actually do is determined by your inclinations.
If you simply don't incline to meditation practice, I think the best solution is to positively condition the mind, for example with good, inspiring dhamma talks on the subject. This is why I like Ajahn Brahm, for instance.
But the problem can be that there is already too much expectation and worry about the meditation (I always worried about it), and the mind simply escapes, as it always goes on the way of least resistance. You could direct it with force, making meditation the least painful option with self-punishment and so on, but I think this wouldn't help much with your long-term well-being (bad meditation kamma).
I would suggest, in this case too, positive conditioning: peace, kindness, compassion and acceptance towards yourself, and setting up the perception of meditation as something that is beneficial and pleasant in the here and now. If these conditions are given, the mind inclines to meditation, and there is no hard work at all.
Pain is also not a problem.
Though, it's tricky, because if the mind is in a low-energy state, pain can be seen like a huge problem, but as the energy accumulates, the same thing feels completely trivial
, and the body grows tranquil.
Though, as others already pointed out, the environment should also be supportive and encouraging. This is the main reason why I would like to ordain; even that I perfectly know what should I do, I do not do it (enough) in this lay environment.
But at least I have finished whipping myself, after realizing that setting up the right causes and conditions is a large part in right view and right intention.
I'm sure that you agree that I write in a quite silly way, but in any case, this is my current offering.
"Just as in the great ocean there is but one taste — the taste of salt — so in this Doctrine and Discipline there is but one taste — the taste of freedom"