I think converts to Christianity would often fantasize about Heaven...
Mark Manson says this:
Welcome, Player One, to a strategy guide for the game known as Life.
markmanson.net
As far as a personal transformation goes, it depends on how much better you are at choosing solutions over distractions (distractions would include things like being a drunkard). Hang-ups could basically just involve distractions (they could limit how well solutions can be pursued). Note I'm not sure how much I agree with his "cheats".
I have no idea about the percentage of real world problems but I'd say that fantasizing about Heaven is a distraction. Perhaps prayer is too? Not sure. Maybe it is a form of positive thinking...