In my opinion, when someone says "they have a problem" to me, this is a sign of weakness and lack of wisdom.
Problems are for negative people complaining about having no solutions. Problems are for people who have given up on trying. And problems are for those who forgot that we have a God greater than any problem in this world. ...
Rather than using the word "problem", try replacing it with the word "challenge". We can all agree that we like a good challenge in life.
When you realize that the problem is only a challenge then it becomes easier to find a smarter solution.
And remember that a challenge does not have to be a negative effect because when God challenges us, He is only doing so to strengthen us!