If a story doesn't have setbacks for the character, it's not all that interesting.
Unfortunately, character growth isn't like the rest of the changes that happen to our body from birth to death. The body is programmed to grow, so it can pretty much progress even if we resist it every step of the way.
Character growth occurs, however, when there is a challenge or obstacle to overcome. It requires active participation, which may be why we as humans try to avoid it.
I am well aware what I need to change about myself, but hey, it's easier to sit on the couch and eat Reese's peanut butter cups instead. (I did choose the mini ones, which have fewer calories, so it's practically a diet food. Add in all the calories I burn by ripping off the outer foil AND that brown paper lining, and I've got quite the impressive training regimen.)
What would happen, though, if a car crashed through my living room wall while I was sitting on my couch avoiding character growth? I'd have to make a choice, and that choice would determine what kind of character traits I possess, as well as what I value in life.
It's the same with our characters. I'm sure they would be perfectly happy to go from Point A to Point B without all that messy "inciting incident" and "black moment" stuff. It's inconvenient, not always a lot of fun, and it gets in the way of what they had planned for their lives. They're probably mumbling under their breath, "Hey, this is who I am, and if you don't like me, that's too damn bad".
But there's no story there.
How does your character respond when things don't go his way? Does he throw his hands in the air and say, "Oh well!" Or does he grit his teeth and find another way to accomplish his goal? These are things we discover when we force our characters to make choices they would normally avoid. It reveals what they are truly made of when we put them under pressure to act.
When I'm revising my WIP, I create a list I call "Setbacks and Growth Points", which details the obstacles each character experiences, or should experience, in the story. I try to relate these to the "needs improvement" areas of my character's personality, the aspects that require changing before the end of the book. It's a good way to see if I've left out a step in their development, or if the progression doesn't make sense the way I've currently arranged it.
It's hard to be mean to our characters. I know that. The only way I can make myself do it is to tell them, "I'm doing this for your own good".
They may reach their goal or they may not. Most likely their goal will change along the way. But when they finally do reach Point B, they are going to be a better, and different, person than when they set out at Point A, anticipating an easy journey.
And they've got me, and their setbacks, to thank for that.