hardship

nouns

a state of misfortune or affliction
"debt-ridden farmers struggling with adversity"; "a life of hardship"
something hard to endure
"the asperity of northern winters"
something that causes or entails suffering
"I cannot think it a hardship that more indulgence is allowed to men than to women"- James Boswell; "the many hardships of frontier life"
is a type of (narrower)
unnecessary and unforeseen trouble resulting from an unfortunate event