Momma
I know exactly what you mean. In fact if the situation is self inflicted then that is not a test or nisayon and no tikkun. Many people cause their own problems and blame Hashem creates us with certain character traits which if misused can destroy our lives. It’s our job to fix that. For example some people have strong desire for food. If not worked on the person can become morbidly obese and can get diabetes and other illnesses. There are people who have addictive personalities. They can get addiction to internet or drugs or gambling very easily. Their job is to make gedarim and stay away as much as possible from things that they will become addicted to and make sure they are too busy to find time for such things…
Bottom line is that most life issues are self inflicted. Unless someone was born with a sickness or similar things which are totally out of our control basically most other things are our own doing from not acting properly and not using our bechira for the good.