That's true (Dunning-Kruger effect etc.).

Although, isn't the question not about difficulty, but about whether you really believe you should have, and deserve to have, a good life? I mean, if the responsibility is yours, then it's yours, no matter whether it's the responsibility to move a wheelbarrow full of pebbles or to move every stone in the Pyramids. And your life can't really genuinely improve until you accept that responsibility, no matter what hell you have to go through to become such a person, and no matter how comfortable/'workable' your current situation may seem.

(of course, there's a separate argument to be made here, that 'people don't really believe they should have, or deserve to have a good life'. And I would agree that 99% or more don't. But I think believing in people's need and ability to take responsibility for their life, is part of believing that they can HAVE a good life, or that they are even worthwhile at all.)

In case this seems like it's wandered off topic, the general problem of religion I'm trying to point at is 'disabling help': Having solutions and support too readily/abundantly available discourages people from owning their own life and their own problems, developing skills that are necessary to a good life. They probably won't become great at thinking, but they could become better if , and only if, circumstances pressed them to.