I forget where I read this, but shutting off the cards was part of the playbook when Musk took ownership of Twitter. If I remember correctly, they shut off the cards and waited to see who complained. Apparently they discovered a bunch of subscription services that no one had even signed into or used at all, just paying out for years.
I'm pretty sure it's not the type of challenge that differs. In DnD a lot of the challenges are logistical in nature or some kind of interpersonal conflict.
My take is that the main difference is perceived risk / perceived high stakes. In a game you are in a circle of safety, so you don't get as stressed about roadblocks - whereas if you perceive negative consequences for failing to reach a goal in real life, then any obstacle looks like a survival threat and the anxiety about failing distracts from fully engaging with the challenge. As an example outside of work: if you're playing DnD and the DM says: "the bartender gives you a rude look" you are intrigued and curious. If a waiter in real life gives you a rude look, most of our brain's will at least temporarily go into ego threat mode and fall into a default of freezing, leaving or arguing back. We will be distracted, bothered, and generally the opposite of open-minded and curious. My point is not whether these are ideal responses but to note how differently our brains respond in a situation where there is actually minimal risk, but our brain perceives high risk because of outdated programming. Another example in the other direction: people can easily start taking games too seriously and become ego-attached to the goal, and the same brain response occurs. These extreme examples strongly suggest that it is the perceived threat rather than actual threat that drive our responses, and perception can often be very out of whack with reality and inhibit effective problem solving.
For most people in most work challenges, the actual survival threat from obstacles is small. Our brains massively overexaggerate it because we evolved in a context where most problems (especially social ones) actually were life-threatening. I would even say that in cases where survival (or your income) is threatened by an obstacle, downregulating the fear/threat response will usually improve your chances of finding a solution. Negative emotions narrow attention, draw us inward and prevent both mental flexibility and engagement with the world, which make solving difficult problems much harder.
To summarize: given how much more inherently motivating it is to work on challenges that are similar in nature to the ones we procrastinate on in life, it seems worthwhile to try to downregulate our evolved fear/threat response when encountering obstacles.
[1] https://www.bzn.be/ [2] https://www.tegeltjes.com/tegeltjes-wijsheid
So there are these great big buildings in Egypt...
That goes double for chatbots.