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Would yo be willing to go a little more into specifics? "Too much hardship" or "too much complexity" seems a little too abstract, non-specific, vague etc to me.
That's on purpose. Answer with what your personal understanding of your lifes problems are. Do you consider them hard thing to do or would you consider them as things that could be easy
As you have already noted and it's also slightly addressed in the thread: There are lots of thing that could be considered hard or complex depending on your point of view.
Let me give you one example of things I suspect things that could be view differently:
  • A guy named Ivan Incel from Iowa has trouble finding a life partner. He's nearing his 30s and is afraid to die alone. Bad situation. Is that hardship or complexity issue? I'm sure he personally blames it on something but that doesn't matter for the complex/hard question: Is finding a girlfriend just a hard thing to do? Or is the dating world needlessly complex to navigate? Let me repeat that the reason doesn't really matter he can view any reason as hardship and personal/societal suffering or as an annoying complex thing.