Trials, like challenges in life, sharpen us. If we are never challenged, we will never stretch outside the box of our comfort zone. Now, many people believe God is the one who brings trials into our lives. I, personally, believe He Doesn't Bring them; however, He Allows them sometimes.
This could be the result of a consequence to an action or reaction we indulged. Or, this could be because ultimately, we live in a sin-filled world. There are dark spiritual powers in realms outside our tangible notice, that are constantly working to tempt us into sin, at every instigation such as causing us to become angry over something others have done, said, thought or hoped to do with us.
The fact that you have specified two types of trials is rather interesting. I don't see trials this way, as much as I see them reflective of our position in JESUS. We are constantly being challenged in various manners at different points in our lives, partly because of where we've allowed ourselves to go with GOD, or possibly stopped caring to go with GOD, or plausibly based on our standards of determination to be that person HE Created us to be one day.
Again, at each point, depending on how much we understand, how much discipline we are willing to invest into circumstances surrounding us and how much of GOD we bring into each equation, we will be challenged, GOD's enemy is behind this and he will not stop so long as we breathe; but GOD IS FAITHFUL; as Scripture teaches us, HE PROVIDES a method of escape for every temptation that is common to man (if we want HIS Ways to prosper in us).
May you be BLESSED and AFFIRMED BY HIS HOLY SPIRIT as you move forward in the spiritual journey that is not only instructive, but truly filled with adventure, some painful, some harsh, some almost intolerable, but also, ALWAYS BRINGING us closer to our KING, helping us to see HIM in ways we would never see HIM if our world was only fueled with sugar.