Instead of reaching out to the Gods and Goddesses for help we need to search within ourselves for the inner strength to find the answers, and do the best that we can do to resolve each difficult issue. We may not handle each situation perfectly, but at least we will have the satisfaction of knowing that we did our best . If the problem is far reaching, and beyond our scope, then by all means reach out to friends, family members, or even the community at large for help. That is what they are there for. Seeking help is a wiser choice than trying to deal with an out of control problem by oneself. The old adage " two heads are better than one" really does work in solving problems. A second viewpoint and a little support can go along way in finding solutions to many of life's problems. Learn from Odin's wisdom how to deal with situations, as opposed to praying or asking for Odin' s help in personal matters. Havamal, and the Eddas in general, have some great life lessons written on their pages.
Sometimes in life, however, we have to simply accept that what has happened cannot be fixed. If the Norns have weaved misfortune into our lives, especially in the form of disease, or injury that changes our lives, or even incapacitates us, blaming the Gods, or asking the Gods to undo the situation will not remedy the illness or injury. The Gods will simply watch and judge us on how well, or poorly, we deal with our ordeal, and will honor or dishonor us accordingly. Some may see this as cold or unfeeling, but not even the mighty Gods can change what the Norns have decreed. Nowhere in the Eddas do I hear Hodr complaining about his blindness, or Tyr lamenting about the loss of his hand. Even Balder, slain and sent to Niflheim, accepts his fate. We must accept that what has happened to us has happened for a reason. A reason that most times is beyond our understanding !
Does this mean that we cannot ask the Gods for anything ? No, I don' t think so. The Gods, I think, appreciate it when we honor them at planting time, or harvest time, and ask that the soil be fertile, and the crops be abundant. It is not wrong for us to ask the Gods to look after our ancestors, martyrs, and heroes either. It is to me very wrong to pray, or ask, the Gods for such personal things as money, a bigger house, fame etc... That sounds way too " Christian " to an old Pagan like me !
P. S. As to whether the Gods intercede into the affairs of Midgardians...... well, I think the Gods pick and choose who they help and who they do not wish to associate with. No amount of praying or asking will get you what you want, or change their minds.
Go with Odin' s wisdom, Freyja' s love, and Thor's protection !