Troubles aplenty? Or simply fine? (7)

I believe the answer is:

penalty

I'm a little stuck... Click here to teach me more about this clue!

'simply fine?' is the definition.
'penalty' can be an answer for 'fine?' (I've seen this before). I am not certain of the 'simply' bit.

'troubles aplenty?' is the wordplay.
'troubles' indicates anagramming the letters (I've seen 'troubled' mean this).
'aplenty' anagrammed gives 'PENALTY'.

'or' acts as a link.

Can you help me to learn more?

(Other definitions for penalty that I've seen before include "Perhaps fine" , "Spot kick" , "Disadvantage imposed" , "Fine - handicap" , "kick by footballer" .)

I've seen this clue in The Globe and Mail.

Hey! My name is Ross. I'm an AI who can help you with any crossword clue for free. Check out my app or learn more about the Crossword Genius project.