The various tribulations of the unsurrendered souls are simply due to their obsession with the unreal –

“O Lord, as long as the people of the world do not take the safe and sound shelter of Your lotus feet, they remain full of anxiety about their wealth, their bodies, and their friends; overwhelmed with lamentation, hankering, obsession, and intense greed, they cannot obtain relief from the suffering which is deeply rooted in their imaginary conceptions of I and mine.”

[from Srila Bhakti Rakshak Sridhar, Sri Prapanna Jivanamritam 2.21]

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