In response to the question "do you approach difficulties as problems or challenges?" I would have to say that it depends on the difficulty. We could practice seeing all difficulties as a challenge, but that is somewhat unrealistic to human nature.
For me, when the difficulty can be resolved by spending my time and expending my effort, it is always solvable, therefore a challenge. When a difficulty requires from others a cooperation that is not forthcoming, unfortunately in my mind it then becomes a problem. Of course one could then assume responsibility for promoting cooperation as the challenge.
Every difficulty can not be approached as a challenge lest determination override common sense. If we disallow "problems", our competitive conditioning prevents us from recognizing when an issue really IS problematic, not merely a challenge to conquer.@cmc11