By faithfully carrying out the duties of our state in life and for the Love of God, this is praying. The Lord knows that it is not possible for human nature to be constantly in a state of praying in the traditional sense, nor does The Lord want this or human nature would be different to what it is. In calling us to a certain state in life with its assistant daily duties, we are fulfilling the Will of God for our lives.
Certainly, the Morning Offering is a conscious dedication of our whole day to The Lord and a highly recommended habit.
The Church recommends that we pray in the traditional sense at least once daily (apart from the Morning Offering prayer) - and probably more than recommends underlining the absolulte necessity of daily prayer and at very least once daily. If we carry out this instruction, one will find that one's heart and mind quite naturally turns to God many times during the day. And prayer is the raising of heart and mind to God. It is not necessary to perform some sort of devotion such as the Rosary, Chaplet of Mercy etc. to pray - rather quite simply and spontaneously during the day to raise our heart and mind to God even in short aspirations.
The Church, through Pope Benedict, has also recommended highly spiritual direction for lay people also.
It could therefore be said that daily prayer and spiritual direction are a necessity for those, including lay people, who strive to take their Baptismal vocation seriously. Rather than look upon the duties of our state in life as being a 'wordly necessity', we should value them as God's Will for us and to carry out these duties for Love of God.
PS The Rosary and Chaplet of Mercy are valued devotions in The Church but not the only way of praying, nor at times the most practical means of prayer and hence there is no call from God to engage in these devotions at certain times.