Spirit relationships and magic alone cannot fix your life if you repeatedly do the same stuff that causes the problem, or avoid the very mundane things that could fix an ongoing problem.
Magic and the mundane are not separate; they're intertwined.
Eventually your spirit relationships will get fed up with cleaning up your messes or fixing your problems that you repeatedly put yourself in from being thoughtless and lacking any sense of discipline in your life. They are not your perpetual clean-up crew.