I honestly think BOTH. God does expect us to use our intellect and the resources available to us. So He would expect a married couple having problems to seek counseling and perhaps go to a Reutroavaille weekend. At the same time, by our prayers, God sends His graces to help us. For instance, maybe one day the husband or wife might wake up and say, “You know, I see your point. Maybe we should do such and such as you’ve suggested.” Or perhaps there is a dark force that has been causing one of the spouses to be addicted to porn or alcohol. A prayer of exorcism could help such as, “In the name of Jesus, I bind you any spirit that is not of the Holy Spirit and send you to the foot of the cross to be judged by our Lord.” If the couple is having financial difficulties perhaps God might give the husband (or wife) a better job or the couple might get a sudden windfall (probably not the lottery but perhaps just the right amount to pay a bill) and thus the couple’s financial disagreements would be lessened. At the same time, God expects that the husband (or wife) would be cooperating by looking diligently for a job, not just sitting back and waiting for help. So, IMO it is a combination of prayer and taking action. But the actions that we take must follow God’s will; that is, we can never go against His commandments or the teachings of the Church.