I don’t know if what you wrote if correct for British litterature, but for French litterature, it will rather be something like that :
Should I marry this nice guy/gal who’s slightly above/below my station in life? (…several hundred pages later…) No, you’re going to die from consumption, alone, heartbroken.
Oh no, I’m in some financial trouble. (…several hundred pages later…) No, you’re going to die from consumption, alone, in misery.
My rich relative is P.O.'d at me. (…several hundred pages later…) No, you’re going to die from consumption, alone, in jail.
I certainly don’t know much about French literature of the 19th century. I’ve read dozens of British books of the era in the past few years, but only two French ones: Les Miserables and Germinal.
Les Miserables is full of those types of subplots: Marius quarrels with his financially supporting grandfather, Marius frets over being able to marry Cosette, and it has more kindly benefactors bailing people out of trouble than you can shake a stick at. It definitely had a real 19th century feel to it.
On the other hand, Germinal felt much more like a 20th century novel to me: no inheritances, no mystery benefactors, no romance (although there’s plenty of sex and affection) and a downbeat ending.
The very best example of 19th-century-setting historical fiction from a British viewpoint is the Flashman papers by George MacDonald Fraser. In my opinion some of the finest fiction of all time. You can learn a lot about actual history from those books, too - aside from the insertion of Flashman into the stories, the historical events are entirely real and fascinating.
A bit of advice. Do NOT ignore the footnotes that are scattered liberally thru the books. These contain a whole lot of the actual history, and make the books a lot more fun.
My son says that in a Flashman novel two bookmarks are needed. One for the story, and one for the back of the book where the footnotes are written.
The European went into a hibernation during this time in Literature, 19th century. All of literary society was mad with a tremendous feeling of expansion and romantic realism. The hero of Ibsen’s The Doll House; The Master Builder; and especially Peer Gynt.
Most of all one ought to read Faust by Johanne Wolfgang von Goethe.
The progressive realization of the individual human being’s intellectual capacity and ability to alter society would reach a pinnacle with Hegel’s Phenomenology of Mind. Although this is not a work of literature, it’s scope and range of emotion tend to defy the librarian’s ability to categorize.