I figured out the answer and much to my amazement, it isn't nearly as scary as I thought it would be. So here it is:
Each of us came into this life to create the highest and best version of ourselves.
This encompasses all aspects of our lives, not just our bank account, career status, relationships or acquisitions. It encompasses every part of who we are within, every part of our BEING that you and I ultimately want to bring forth in our observable life, from within, to the outside. This is known as a higher part of our consciousness and you can give it any name you prefer. The higher part of ourselves sees and knows exactly who we want to be and knows the grandest version of ourselves on every level.
We can look at where we are now in our lives and compare what is happening to where we want to be. For example, I used to be quite needy and clingy in relationships. I felt insecure. I thought I needed to have a committed relationship in order to be happy. I used to tolerate a lot, sacrifice my own self-respect and not rock the boat out of fear. However, deep inside, I genuinely wanted to BE independent, confident, strong and have the guts to go with the flow while I showed respect to myself, towards anyone who was in my life and to passionately thrive on every level as a whole and complete individual.
Whatever is out of our comfort zone is the precise area that we are consciously resisting out of fear. It is in the explicit unconscious reaction where we find ourselves not bringing out our best, but instead, stagnating.
This is the precise area where surrender is key, to move precisely in that direction, because in the larger picture, the release of this fear will bring out who we authentically are - our highest and best version of ourselves.
After enough pain and regret, ultimately, we do 'surrender' however we are not giving up anything other than old outmoded patterns of expressing ourselves that completely go against the best self we can genuinely express.