We started with a character, a student. Then we went through the list coming up with suitable conflicts....
Mind: Worried that she will fail imminent exams.
Body: Hungover from party.
Emotions: Worried that boyfriend may be cheating on her.
Family: Parents want her to do well and become a doctor - she doesn't want to be a doctor.
Relationship: Boyfriend may be cheating.
Friends: Advising her to confront boyfriend.
Physical environment - natural: Can't study in the sunshine.
Physical environment - man made: Her laptop has broken, losing her notes.
Individuals in society: Teachers not supportive.
Wider society: Bank demanding she pays off overdraft.
Then we tried one for a would-be writer...
Mind: Reading too much negative material about downfall of publishing.
Body: Back ache from poor posture over computer.
Emotions: Lacking confidence that the novel is any good.
Family: Unsupportive - why can't she get a job?
Relationship: Won't look after kids at the weekend so she can write.
Friends: Writing buddy has just landed mega publishing deal.
Physical environment - natural: Rainy days mean kids need entertaining at home.
Physical environment - man made: Uses same computer as kids.
Individuals in society: Publishers/agents reject her work.
Wider society: Cost of living has gone up, needs to earn money soon.
I'm not saying that every character has to have every type of conflict, but working through a conflict list will suggest areas that the character could be dealing with as the story happens.