This quote, by one Derek Price, whom I know nothing about, is right on:
I have spent countless hours counseling Christians with problems, and have come to the conclusion that there are limits to what can be accomplished by counseling. I would say at least fifty percent of most Christians’ problems are due to the fact that they have not repented. I suggest that if you are struggling with problems in your Christian experience, ask yourself if you have truly repented. Turn totally from everything displeasing to God and yield yourself to Him in unconditional surrender.
Of course, “fifty percent” is an attempt at quantification that most of us do. No harm there. The estimate might even be low, which means in many if not most cases, people need prophetic words urging them to repentance, rather than soothing assurances to accept self or situation or offering other options to consider.
The will of God is complete. All Scripture encompasses the whole of human experience. How many problems would be solved, and pain and suffering avoided, if people but knew and obeyed the Word of God!