It's not equal... it's from each according to their ability and to each according to their need. Not everyone has the same levels of ability or needs.
They are not communist, they aren't decentralized and the worker's don't have control over the means of production. You can't have communism with a state.
The system does not encourage laziness because everyone has to contribute to keep it functioning. People have beenworking since before money was ever used... because they needed to. A great incentive to work is need, people need things and we have to work to create them for each other. A person's labor would directly benefit themselves and their community and they know that they are doing their part. Each person is a consumer and a producer. Anarcho-communism is based on mutual aid which is beneficial for both parties because everyone helps each other. Everyone would know and be able to see that their work is directly helping everyone else. People want to do things and not just sit around... if lazy people do arise, other people in the community would deal with them and get them to do something. If the work is important and necessary, then it will be done. Everyone values work that people need. Also with increasing automation, there will be less people having to do the menial labor and more people could focus on their other interests. There isn't that much work to be done in a decentralized society anyway, especially if everyone pitches in and there is automation of a lot of tasks.
How? Since people would have control over their work and would not be subject to state or private authorities, they would have more freedom and not less.