How psychological/personal problems are formed

Current beliefs (before beginning study in the course) about how psychological/personal problems are formed (e.g. "biogenic," "psychogenic," something else?) and potentially resolved (e.g. "chance," "therapy," "self effort," "divine intervention, etc.). This is an information paper and does not need to follow APA style. Write clearly and succinctly in your own words what you believe about this issue (I am interested in your informed thoughts, not what others have written about this issue. However, please make note the source(s) which inform your particular belief on this issue.