What term is used to describe a situation that poses a problem and is difficult to solve?

The term "problematic" is used to describe a situation that poses a challenge or is difficult to solve. It carries connotations of complexity and uncertainty, indicating that the situation involves issues that may be troublesome or contentious. In contexts where something is described as problematic, there is an implication that it requires careful consideration or a solution due to the difficulties it presents.

In contrast, the other terms do not convey the same sense of challenge associated with a difficult situation. "Prodigal" typically refers to someone who spends resources recklessly. "Profound" generally describes depth in thought or significance and does not suggest difficulty in resolution. "Presumptuous" indicates an overstepping of boundaries or assumptions that can lead to problems, but it does not directly address the idea of a situation being problematic in nature. Hence, "problematic" is the most precise term for a challenging and difficult-to-solve situation.