The tendency in this world is that something has to thoroughly shake us up for us to really take shelter of the Lord.
Just like a paper boat floating in water can be destroyed any moment, similarly this human body can be destroyed any moment. However, if we take shelter of Krishna, we can go beyond this ocean of material existence.
Surrender simply means keeping God’s will before our own.
Holy name alone is sufficient to take you back home back to godhead. However to cultivate the mood of surrender You need a Guru.
Unless and until we surrender to Krishna, Krishna is not going to take our responsibility.
Surrender fully unto the lotus feet of the Lord. That is the only business of the perfect human being.
Srimad Bhagavatam 1.5.20,