For years now I have told people “It’s never problem vs. no-problem. It’s about which problems you prefer to have.”
Going forward I will end it better by saying, “which problems you prefer to have, and when.”
The “and when” was always implied but specifying it brings out clarity in discussions. Usually it’s about short-term vs. longer-term problems. I find in conversations that the time element forces one to think about the costs of procrastination, or the power of patience.