Surrender is an ugly word. It conjures images of lack of control, trusting in a mysterious entity in which you have no value above the plant life, or relegated to flowing wherever the river fate/destiny takes you. It's not shocking we have an unwillingness to surrender. Everyone has, at one point or another, let us down.
I equate surrender with the child-parent relationship. When I was growing up, my parents dictated my life. Curfews, diet, clothing choices, friends, were all under the purview of parent. They let me make some choices, but gave this reasoning: You shouldn't have to worry about this. Let me be the parent so you can be the child. Go, run around, worry about what popsicle flavor you'll have today. Don't focus on this.
God does the same thing. He tells you, "Let Me show you how much I love you by taking this burden from you. Let Me worry about this."
Our problem? Our experience is God doesn't always answer our prayers they way we think they should be, or work out a problem the way we figured. So when God goes a different way than we thought He would, we struggle with surrendering. We struggle with trusting.
We forget our relationship with God is about faith, but it isn't blind faith.
"Now, O Lord God, You are God, and Your words are truth, and You have promised this good thing to Your servant." ~2 Samuel 7:28
We know Who is worthy of this thing called surrender. His character is revealed in all of creation, in the history of mankind. He created you, and is the Maker of all things (Isaiah 44:24), the heavens proclaim His gospel (Colossians 1:23), and we belong to Him (Isaiah 43:1-3).
Instead of flowing down the Destiny River, or trusting the alignment of creation, wouldn't it be wiser to trust the One who tells you, "For I am the Lord your God, who upholds your right hand, Who says to you, 'Do not fear, I will help you.'" (Isaiah 41:13) Let Him deal with it.