Of course an empty wallet is a problem but if your trying to pay for a purchase when you find out then maybe one problem creates another and maybe that is what problematic means?

This word is overused, and not really all that clear, in my opinion. It suggests that the subject or word constitutes, or presents, a problem or difficulty that is bigger than it looks? 

For example if you would say that X is a problem, then rather than explaining why, you would just say "it is problematic".

I think this is an issue because the word "problematic" doesn't even refer to the stated problem but is just a way of classifying it as being; difficult to answer, hard, taxing, troublesome, tricky, awkward, controversial, ticklish, complicated, complex, knotty, thorny, prickly, or vexed. It is really just an intellectual cop out.

A better definition would be to say that the problem is "open to debate". That suggests that the question may not ever be resolved but isn't just a push back that one is not even willing to talk about it. 

Using the word "problematic" is not an issue that I am suggesting is "problematic". (Maybe I should say this?)

I am just saying we ought to just "stop using the word" because it is a problem