As I understand it, conflict means presenting a character with an obstacle that he can only overcome through change. The problem is that I can't think of such a thing. Nearly all conflict that comes to my mind, even internal, is expressed externally: perhaps the character is faced with an antagonist, or he wants to charm someone, or solve some problem. This doesn't seem to work with my story.
Let me set the scene. Merciless bullying at school left marks on my main character, and the most prominent is her uncompromising refusal to be a bystander. Normally, that's an admirable trait, and in another genre, she could've been a hero. But that didn't happen. Presented with lose-lose choices where most would take the easy road and not get involved, she tried to make the best of bad situations, and that's left her with many regrets over her history of dubious moral decisions.
(For example, after a disaster strikes her city and the government's considering condemning it, she threatens the mayor with his son's life to get him to speak against it. She has a couple of good reasons for that, but the mayor did nothing to deserve it, and it doesn't change what she did. This is not a one-off thing.)
My story takes place after that. She's given a second lease on life in a far more casual setting and a mission: "Die [of natural causes, I mean] without regrets. That'll be your redemption." Tonally, this is supposed to be a lighthearted gag about a grizzled vet getting dumped in what amounts to a playground, but it's impossible to ignore the baggage she's carrying with her, so I'm trying to balance the two.
She knows something within her has to change; but what? It can't be her unwillingness to look the other way, because that's nothing bad on its own. After some deliberation, I decided that, when presented with a question with no right answers, the best she can do is heed others' opinions instead of forging on with hers alone. That's what democracy's all about.
How can I convert that into narrative conflict? I can't create an antagonist she can't otherwise overcome, because that would contradict the "hard mode → easy mode" trope. I don't intend to write romance, so I don't know about charming someone, either.
The closest equivalent I can think of is the TV show, Arcane. Its main character undergoes drastic change after a traumatic event, but when someone from her past resurfaces, she's faced with a dilemma: does she stay who she is or go back to who she used to be? Until she's solved this conflict, she can't find inner peace. The difference is that, for her, inner peace is a life-or-death necessity, because she's legitimately going insane, psychosis and hallucinations and all.
My character can go on as she is. It might not be a fulfilled life, but she'll survive. How can I change that?
If I were not angling for a happy ending, I could write a tragedy where she's unable to come up with an answer; but I am.
And on that note, everything I've said here assumes that I, as the author, must have an answer to my character's problem and guide her to it. Is it possible to write an exploratory story where I don't? What are examples of such?