The half-surrender problem

Yes, God runs everything, He is in charge of my life, I have surrendered. But don't touch my relationship. Don't touch my money. Don't touch the health of my body. Don't touch what I think I understand. Let's not go there. Then what have we actually surrendered to God? Then isn't it just a great convenience and self-help method? Which self are we serving? It's difficult enough when we make that full determination with full-hearted surrender and say, I belong to You, God. It is difficult enough even after that.