In my experience, first you need to have given enough specific detail about a character to make the audience buy into them as a person. It doesn't take much, but they need at least enough personality traits and life details to give that illusion of human lived experience rather than being an abstract concept.
And second, the thing that happens has to resonate with lived experience. There are some things that are universal, like say, experiencing the death of a loved one and missing them, the heartbreak of unrequited love, the drifting apart of childhood friends, a somebody reaching out with help or encouragement when you felt you were toiling along and unloved etc.
I think it's something you get better at as you accumulate lived experience. I think you can tell when the writer/artist has truly experienced a feeling or situation and is drawing on those feelings rather than just replicating how they've seen it portrayed in media.