Now that sounds familiar!
Yes, I can feel the pain of a character when written in detail. If it's a dramatic teen girl's point of view, however, I usually roll my eyes and think, "at least you have *insert NT thing here (like a lot of friends for instance, or maybe even a boyfriend)*, and the book is closed, and I never look at it again.
When it's my own characters, however, my most familiar ones seem to be me (sort of), personality-wise. This way I can relate to them deeply, and my story becomes easier to write, simply because I know what my character would do. I wouldn't have to try and guess what a polar-opposite charater to myself would do.
No, I'm not being lazy; I find it hard to imagine what a different person would do. It's like trying to guess a number that someone's thinking of that's between one to one thousand in just a few guesses. I can't possibly do that, even if I had lady luck on my side.