[SOAPBOX]
Yes, I have seen this BIGGGGGGG problem in many, many students. As I work with them in an appropriate atmosphere, I find a very, very large percentage of students with such problems are ONLY afraid of them. There is NO intellectual, organizational, or logical barrier preventing the student from learning to do it. Many such students are so sure they can't do it, that I sometimes have to challenge them, attempting to remove deeply held beliefs.
One girl, now a very good friend of mine, was told by her father for 15 years(!) that she was stupid, that she couldn't possibly succeed at anything. She was SURE she had no chance at passing math. When she came to me for math help, I listened to her story and told her immediately that her father was simply wrong. Quite a social risk, I realize. It took 2½ years(!) to get that foolish abuse out of her head. She can do math, now. She even argues with her teachers on appropriate occasion. She subsequently moved on to a university where she succeeded. Her deep-seeded belief system was just wrong. It required both of us to be strong enough to rip it out of her, throw it on the ground, and stomp it until it was lifeless. Not every student is quite this dramatic.
I encourage many simply to: relax, take a deep breath, ignore any thoughts that you cannot succeed, clear your mind, let go of any anger toward anyone or anything, and learn to succeed. There are very, very few who cannot succeed. There are very, very many who can succeed if they are given proper guidance. Also, very unfortunately, girls/women seem to have this problem far more often than boys/men. It's just a piece of societal stupidity we have to live with until enough people learn better.
You keep stating that word problems are easy for some people. Were they easy from the beginning for these people? I doubt it. We learned. We tried. We failed quite a few times. We got an idea or two every now and again. Me, personally? I got 'C's and 'D's in Algebra I. I got 'D's and even failed a quarter in Algebra II. Things turned around pretty well after that.
So, where do you stand? The big question is, are you willing to submit a little of your strong will to someone who can help you learn math or are you going to continue to hide behind your assumed inability and learn virtually nothing? It is of very little value to learn to solve specific problems. The REAL value is in learning how to think, and how to organize your thoughts, so that you can solve a great variety of problems.
My views. I welcome others'.
[/SOAPBOX]