A narrative crisis is the antagonist's ultimatum with real consequences, not the initial demand. It forces the protagonist to choose between painful action or worse fallout. Many writers blur this with complications, which weakens tension.
Chapters
A crisis is an ultimatum. Do this or else. And it comes from the antagonist. And most writers can't tell when they've actually written one. You see, the inciting incident is the initial attack of the antagonist. It's when the antagonist tries to get the protagonist to do something. A mom tells her teenager to clean his room. The boss tells the accountant to cook the books. The woman asks a man on a date. Those are inciting incidents. The crisis comes when the antagonist gives an ultimatum. Do what I want or else. Clean your room or you're grounded. Cook the books or you're fired. Go on the date or we can't be friends anymore. So the protagonist either pays the hell of doing the thing they don't want to do, or the hell that comes if they don't. One way or another, you've got hell to pay. And if there's no hell to pay, you don't have a crisis and your writing is weak. When I read struggling writers, They'll give me a crisis, then back off into a complication, then pull all the pressure off, then slam down some other crisis, which tells me they don't actually know which one they're writing. If you want to learn how to write a great crisis, subscribe and like for more writing tips.