What if it's not character that's your problem, but the structure of your story? How do you plot?!
While the plot of a novel is a series of events unique to your tale, the structure of it is probably very similar to other works and as such, falls into one of these plot types.
Vs Fate (luck, destiny) - Have your character fight against the inevitable - a prophecy, a prognosis. Percy Jackson never actually escapes the prophecies, and the characters of Fault of Our Stars fight cancer every step of the way.
Vs Self (need vs want, need vs morals) - Have your character fight their own nature. This is a common plot structure for character-driven novels and is often the basis of a character arc. Think Diana Prince in Wonder Woman 84 torn between her want (her lover) and her need/morals (saving the world)
Vs Society - Rebellion! Society can vary - maybe it's the ruling class, maybe it's the patriarchy, maybe it's capitalism (solarpunk, anyone?). In any case, characters in these stories are fighting the structural aspect of a society or the establishment upholding it. Luke Skywalker is going against the Empire, and the ladies of Hidden Figures are fighting racism.
Vs Supernatural - This is when the threat is a supernatural element, which isn't every fantasy story. Think the Exorcism or monster-of-the-week TV shows.
Vs Technology - This is when technology is the bad guy your characters must stop. It can be in an action movie - like Terminator - or it could be in a political drama about the atomic bomb.
Vs Family - These plots can be similar to the vs society set up, but the group your character is fighting against is more personal because it's their family (found or not). Encanto is a good example of this - Mirabel struggles with her place in the family while her siblings struggle with the pressure to keep Abuela happy.
These are basic plot structures, the high-level action of your story. The details of how these play out will depend on your characters and setting.